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The young also prepare for the future with critical illness cover

15 August 2007
An increasing number of young people are investing in critical illness cover, research from has revealed, and 45% of all people who get a quote for life insurance include critical illness cover in their application.

The average age of people that buy critical illness cover is 33, the research has shown, highlighting that it isn’t just the elderly who are concerned by the prospect of becoming ill. Critical illness cover provides cover against a range of serious illnesses and conditions, such as cancer, stroke, multiple sclerosis and heart attacks.

The average age of those taking out critical illness cover reflects the age of people that are struck down with certain conditions – the majority of MS sufferers are between the age of 20 and 40 when they contract it, almost half of all testicular cancer cases occur in people younger than 35, and the peak incidence of new cases of cervical cancer affect those between 25 and 29.

Emma Walker, head of protection at, said: “It is encouraging that young people are opting to secure themselves against critical illnesses by taking measures to cover themselves should the worst happen. At 33, people might be undergoing life changes such as getting married, buying a new home or starting a family and, as a result, they have new financial responsibilities.”

When looking for the right critical illness cover, recommends comparing policies and not just going with the cheapest, giving all relevant information when you apply, including an accurate medical history, and reviewing the cover at life-changing instances, such as moving house, a change in marital status, having children, or changing jobs.

Learn more about critical illness cover and life insurance and compare policies