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 Critical illness insurance is an essential thing to purchase. Nobody can see into their future, so no one can be certain they won’t be diagnosed with a critical illness. By getting a critical illness insurance it ensure you are covered if you are struck with a serious illness. Critical insurance cover is a contract, where an insurer makes a lump sum cash payment if the policy holder is diagnosed with a critical illness and survives within the survival period from the date they were first diagnosed with the illness. The survival period varies between insurance companies, 28 to 30 days are the most common survival periods but some companies have opted a 14 day survival period.      Having a critical illness insurance is an excellent idea even if you don’t believe you will get an illness. It is a guarantee that you are covered financially if you do become ill, leaving with you just having to concentrate on getting better. Its something that you know will cover you from day one, whether its to pay your bills or debts, pay for help or changes in your home due to your illness it will be sorted. Getting a critical illness insurance is something you should do, if you have a family and no insurance, how are you going to cope? How will you support your family when you need support yourself?    Despite the survival of someone with a critical illness, the sufferer often remains incapable of earning a living. This means that your loved ones will not only have the duty of looking after you but also finding the money to keep the family going at the same time, having a critical illness insurance will look after that problem for you.