A critical illness may cause death but may as well make a person become invalid. As such, mortality rates may vary according to age and sex. Mortality rates due to injury and poisoning may have been higher among people aged 15 to 29 in the year 2002. More precisely the data could be displayed as follows: around 41 over a population of 100,000 men as compared to 10 over a population of 100,000 women.



Moreover, the mortality rates due to critical illness conditions may differ from age to age as mentioned above. Thus, for people aged 30-44 the prime cause of death may have differed for men and women. Most men may have died due to critical illness conditions resulting from injury and poisoning, in other words 45 over a population of 100,000. On the other hand, a critical illness such as cancer may have been the leading cause of death for women. 32 over a population of 100,000 women may have died due to cancer.

Furthermore, for people aged 45-64, the critical illness cancer may have been the leading death factor. This may have been considered for both men and women. The mortality rates due to this critical illness may have been 245 per 100,000 for men and 218 per 100,000 for women. Mortality rates as a result of injury among men aged 45-64 may have been lower compared to those aged 15-29 and 30-44. Additionally, critical illness conditions resulting from circulatory diseases may have been the major cause of death among people aged 65 to 84. Both men and women may have suffered form the same fate even though death due to other critical illness conditions at this age may have surpassed that of younger ages. In addition to, the highest mortality rates may have occurred among people aged 85 or more. A critical illness like circulatory disease may have been the major cause followed by respiratory diseases and cancers. (Source: Office of National Statistics)

Suffering from a critical illness may also mean that you could be off work for a while. As per Scottish Provident/ MORI Research 2003, the chance that you could suffer from a critical illness that keeps you out of work for six months or more may be 1 over 16. According to the British Heart Foundation, around 262,000 people suffer from a critical illness such as heart attack each year in the UK. Out of these, about 130,000 people may die. Half of the victims that stay alive may require help and hence happen to earn less due to this inability. Critical illness cover may have the ability to solve such problems due to the payout.

When critical illness awards a payout, you or your inheritor can benefit form this money. There may be no barrier that critical illness puts in using the money. You could use the money to make it suit your needs as much as possible. Critical illness cover may be best used if taken at an early age as premium values at that moment tend to be lower. Some critical illness policies may also return you your contributed premium if you happen to stay illness free throughout the whole of your term. So, you could enjoy a peaceful retirement period.

The advantages with critical illness cover may be numerous. You just have to find the most suitable critical illness cover that you need and enjoy of what could be a benefit to be reaped in the future.