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.
If you are married or have a partner then you might want to consider taking out a joint policy. This means that if either of you pass away the policy will be paid out. Of course this should be reviewed should the relationship break up, lagally the agreement may still be in place even though you are no longer partners.
With the average life expectancy of men and women increasing, it's now possible for older people to get life insurance cover at a reasonable cost.
