Author: Francisco Segura
Article:
It is a sad fact that even if we live a healthy lifestyle, as we
get older we are more prone to sickness; although critical
illness insurance can worry some people, this type of cover can
provide peace of mind should your health fail at some point.
This is a case of providing the essentials of living in today's
world for your loved ones in the event of your untimely death.
Research has shown that planning for critical illness is a wise
move as statistically the chance of this happening is actually
high, so much so that insurance providers now offer this type of
policy quite routinely.</P <br /><br />These studies make for
somber reading when you consider around one in five men will
contract one of these conditions before they reach retirement
age. Although women fare a little better with a one in six
chance this does not make for pleasant reading. Of course, most
people do not actually feel they require critical illness
insurance and would explain why they are so reluctant to start a
plan. The main reason critical illness cover is to protect
mortgage repayments and this is why insurance companies will
normally offer it as part of a mortgage agreement.<br /><br
/>Since the advent of the Internet as a marketing and sales
tool, insurance companies have promoted their products online
and in recent years there has been an increase in online
insurance applications. In a rush to provide this type of health
coverage, many details are not looked into fully and a number of
problems have arisen from attempting to do this online. Not
surprisingly, insurance providers often require the applicant to
undergo a routine examination to clear up any possible existing
complaints right from the outset. Insurers do not want to
alienate their critical illness insurance customers so are
learning to be more sympathetic when contacted.<br /><br />Some
groups of individuals fall into high risk categories like those
who smoke for example and can be expected to pay more for their
cover. Smoking is considered extremely hazardous to your health
but other factors must be considered as well because you may
have a dangerous job or pastime, you may be aging or already
suffer with poor health. The benefits of critical illness
insurance should not be underestimated as you may require
surgery for a serious, life threatening condition; cannot work
owing to it or are diagnosed with a terminal illness. Anyone
that cares about their family and what could happen to them in
the event of a serious medical condition arising should take out
this type of insurance if for no other reason than peace of
mind.<br /><br /><br />
About the author:
Francisco Segura runs and manages
http://www.alcoholismadvise.com/alcoholism-sign.html <a
href="http://www.alcoholismadvise.com/alcoholism-sign.html">Alcoh
olism Sign</a>
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