There are a number of reasons why you might need life cover and critical illness cover. If you have dependents, it is important to make sure that they have financial security if something happens to you. If you have a mortgage or other debts, then life cover can help to pay these off.
Critical illness cover can provide you with a lump sum of money if you are diagnosed with a specified serious illness. This can help to cover the cost of treatment and make sure that you and your family have financial security.