Why Should I Buy Critical Illness Insurance? 
You should buy Critical Illness insurance if you have a hard time saving money for emergencies . When someone is diagnosed with a critical illness such as heart attack , stroke , or cancer , finances are stretched to the limit . There will be time lost from work . Medical , travel , child care , and other bills can add up . Critical Illness Insurance does not have any deductibles or co-pays and benefits are paid in a lump sum to the beneficiary of the policy . Those funds can mean a great deal at that point in one 's life . 