Another product in this range, is Critical Illness Cover. Simply put, this means that if you were to become too ill to work and no longer able to earn a living, then you would have peace-of-mind, knowing you and your loved ones were looked after. If during the policy, you’re diagnosed with a specific illness or medical condition, then you will receive a tax free lump sum. This way, you’re able to focus on your recovery and not worry about any unnecessary financial pressures. Some policies also cover for terminal illnesses to, so if diagnosed with a terminal illness, you may be able to receive your insurance pay out before you die.