It might be possible to take out critical illness cover if you’re under the age of 75. This is currently offered by Reassured’s partner AIG.
However, securing the cover might entail additional medical reports or exams and your premiums may be expensive.
Critical illness cover offers a pay out if you're diagnosed with a serious, yet non-life-threatening illness, including stroke, heart attack, blindness or some cancers.
If you meet the eligibility criteria, it could be added to a term life insurance policy for an additional cost.
Critical illness cover may be worthwhile if you’re under 75 and in good health. However, you’ll still pay significantly more due to your age.