The very best time to arrange life insurance is when its furthest from your thoughts. Take a typical young man. Hes at the start of his career, possibly still living at home, but thinking of looking around for a flat. He has a car and the insurance that he arranged for it was probably his first step in the insurance ladder.
If he decided to take out some life insurance, whilst hes still young, fit and healthy hed get the best possible rates. Probably the most valuable insurance at this stage is Critical Illness (CI) cover.
Whilst life insurance is designed to pay out to your beneficiaries if you die, CI cover will give you valuable support if you become critically ill. For our young man, starting on his career, an illness of this type could be a financial disaster. It is a fact that one in three people will develop cancer at some time in their lives, but the good news is that treatment and cure rates are improving all the time.
Advances in medical science thankfully mean that more and more people will survive many of the major serious illnesses. Unfortunately this recovery can take many months, or even years and necessitate long period of time off work. It...
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