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Life and critical illness cover protects you from two different life changing events. Firstly it covers you if you suffer from a Critical Illness and secondly it helps to protect your family in the event that you die. Both events are horrible to consider but each year many families find themselves having to deal with the consequences of these events. Your life insurance with critical illness cover will pay out a tax free, lump sum of money whether you die from or survive your critical illness. The money that is paid out can be used, by you and your family, in whatever way you see fit and generally helps families to continue their lives as normally as possible. This might include using the money to pay off the mortgage on your home or simply to put food on the table.