Do I Need Critical Illness Insurance In South Dakota? 
`` Need '' is not word I would apply to critical illness insurance in South Dakota , or any state . Critical illness is not an inevitable event , such as death may cause the need for life insurance , and it critical illness insurance does not contribute for years , such as long term care insurance does . It does help by paying a lump sum of money to someone stricken with a life threatening illness . With the prevalence of cancer and heart disease in our nation , that risk is higher than ever , and the treatments are more effective , so that critical illness insurance can indeed be a `` life saver '' of sorts . 