The premium you will have to pay will depend upon your age, the amount of cover you require, your occupation and your current state of health.
If you add critical illness cover to your policy your insurance company will payout if you contract a critical illness. The money is often yours to keep,even if you make a complete or temporary recovery.
The less risk you'll die the cheaper you're cover will be, so if you maintain a healthy lifestyle your insurance payments will be less.
It might pay to lose some weight before applying for life insurance. Some major companies are penalising anyone with a Body Mass Index of 28+ by increasing
their premiums.
