I’m looking to get some advice about Life and critical illness cover. I understand it’s designed to provide a financial payout if you pass away or are diagnosed with a serious illness, which can help cover your mortgage, bills, or other expenses.
I’m trying to figure out:
How much cover is usually recommended for a family with a mortgage? Are combined life and critical illness policies better than separate ones? How do premiums typically vary with age and health conditions? Any tips on choosing the right policy or avoiding hidden exclusions?
I’d love to hear from anyone who has experience with this type of cover, especially how it helped them or what they wish they had done differently.
Any advice or personal experiences would be much appreciated!
