Why Is Critical Illness Insurance Needed? 
Critical Illness Insurance is needed by those who have a high risk of developing a serious , life threatening illness . And it is needed by those who do not have money laid aside to tide them over and pay the additional expenses incurred if such an illness would strike them . The risk can come from heredity , smoking , obesity , or medical indications such as blood tests . However , even those for whom no risk factors seem to exist can find themselves stricken by cancer or other life threatening illnesses . Critical illness insurance provides funds in a lump sum to help people cope with that very trying time in their lives . 