Applying for critical illness cover couldn’t be easier! The research and comparison side of it is actually harder than the application stage. When looking at life insurance researching the companies, their requirements and terms and conditions can be crucial. This could mean the difference of a policy payout versus a refusal of claim.

It is always advisable to ‘shop around’ when looking at life insurance. There are various ways that this can be done, on line, over the phone or by post. All you need is your basic information such as name, address etc and yours and your family’s medical history. You can decide upon the amount you insure for as long as you are realistic with your choice.

Typically people often base the sum insured on the amount of financial commitments that they have. These could be things like a mortgage, loans, credit cards and any other commitment. Always remember when applying for life insurance to be as honest as possible with all of your answers.