Who Needs Critical Illness Insurance? 
People who do not have a lot of resources saved up for a `` rainy day '' can benefit from Critical Illness Insurance . When a life threatening illness or injury strikes one of the breadwinners of a home , it takes a huge emotional toll on the family . It also takes a financial toll due to medical bills , traveling to doctor appointments , child care , and time off of work . Critical Illness Insurance pays a lump sum benefit that is emotionally uplifting and financially helpful . 