Surely planning for any eventuality regarding your health is a wise decision; which is why it is essential critical illness insurance cover be considered from a young age. Providing financial peace of mind for your family by taking out protection for a mere few dollars each week, does not seem as important to most of us as having that luxury cup of coffee every day during lunch.

Insurance providers, acting on the statistical information they receive from research institutes now offer this type of protection to every one of their customers.The figures speak for themselves with around twenty percent of men diagnosed with a critical condition before they reach retirement. Although women fare a little better with a one in six chance this does not make for pleasant reading.Lack of knowledge or belief in the chances of contracting an illness like this might be the main reason why so few adults take out critical illness insurance protection, according to insurance companies. Although this type of protection is taken out for many reasons, the majority of people use it to protect their mortgage repayments but these days, critical illness cover and life insurance can be linked directly with mortgage repayments.Since the advent of the Internet as a marketing and sales tool, insurance companies have promoted their products online and in recent years there has been an increase in online insurance applications. There are still some teething problems with this type of facility with insurance companies realizing it may not be as easy as they thought. This is because many insurance providers who offer this type of coverage wish to have the applicant take a medical examination by an independent physician to ensure there is nothing untoward right from the start. Claimants also need to know that if they do make contact to their critical illness insurance provider that they will be listened to with a sympathetic ear.Some groups of people will automatically enter a high risk category like those who either smoke or have given up within the previous twelve months. Whilst smoking is considered a serious risk to a person's health, there are other considerations that are taken into account; for instance the work or pastime may be dangerous, you may be in poor health generally or age may be against you. So although a person may be suffering with a terminal illness; critical illness insurance will ensure medical expenses, as well as living expenses are met. Family responsibilities are never easy but ensuring your family is looked after if you are diagnosed with a terminal condition does not have to cost the earth.