One may also select critical illness cover as an additional benefit - please see critical illness section for a rough guide.
You can take out this policy on a single life, joint life first death or life of another basis.
Be aware that many critical illness policies are reviewable. This means that if the overall claims experience of a company over their bank of policyholders, are greater than expected they can increase the premiums across the board to all policyholders. This means that companies can try to buy business with low premiums, only to increase them in later years. Because of this hazard the cheapest reviewable quote may not prove to be such good value as a guaranteed critical illness quote.
The minimum premium you can pay is normally about - £5.00 per month.