Is Critical Illness Insurance A Waste Of Money? 
I had a client in his 40 's who had a Sroke . He was unable to work . He had health insurance at work which payed some of the Medical but he still had deductibles and copay 's that mounted into the thousands of dollars . He needed additional help while his wife worked to try to make up for the lost income . He nearly lost his home while he was waiting to get Social Security Disability . Do you think an additional $ 10,000 or $ 20 , 000 would have help him ? Some critical illness policies have a return of premium option . There is nothing to lose and everthing to gain with a Critical Illness policy and they are not real expensive . Yes , I think they are worth it ! 