Pros And Cons Of Critical Illness Insurance

When it comes to purchasing life insurance, there are many different things you have to consider. The price of the policy, what it covers, and the type of coverage are all very important factors. Another factor is critical illness insurance. This is often an extra feature of some insurances that is optional, but is it a good option? That’s the question. There are some obvious benefits to adding critical illness insurance to your policy, but there are also some reasons you may want to pass on it. Either way, you should make certain that you are completely informed about the insurance before making a decision.

Basically, critical illness insurance is a policy that comes into play if you come down with a life-threatening illness. What constitutes a life-threatening illness is defined by the policy and is different for each insurance company. Some have a very short list of illnesses, while others cover up to 30 diseases or more. When you become unable to work due to one of these illnesses, the policy will pay out. Some of these policies pay over a period of time, but many of them pay out a one-time lump sum that is generally tax-free. You are free to use this lump sum to pay for medical procedures not covered by your medical insurance and to handle bills and financial obligations such as your house payment, utilities, etc.

The most obvious benefit is that you get an immediate payout. This means you won’t have to worry about meeting your monthly financial obligations. You may even be able to use the sum to pay off your mortgage or vehicle, thus removing a potential financial obligation from your surviving family members in the event of your death. Your family will also have the finances to handle your funeral arrangements and the various expenses that come with death, something that can put a major financial strain on people.

On the downside, there is the fact that critical illness insurance is an additional cost. If you already have high month-to-month living expenses, it may be difficult to add another type of coverage to your insurance. It’s also possible that your premiums will increase at some point, especially if you start smoking or if you are determined to be overweight. If you’re already in poor health, in fact, you may not be able to get critical illness insurance at all.

Another factor is that those who have a pre-existing medical condition may have that condition specifically excluded from their critical illness policy. Others may have conditions excluded based on the fact that close family members suffer from that condition or the fact that their family has a medical history of the disease. Some critical illness insurance policies have also started excluding certain diseases like basic cases of prostate cancer or some types of skin cancers. This is why it is very important to read every condition and exclusion in the policy before you pay for it. While critical illness insurance can be a life-saver in some situations, in others, it is simply another financial commitment that may not actually help you that much.

By: Patrick G Huddlestone

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Graham S Doyle writes for The company work with the UK’s major insurers and strive to find the best life insurance deals available. Visit the company’s website at to compare insurance policies instantly.

How to Promote a Website with these 15 Sites

The advertising of the future is going online–and going local. This hot trend is growing rapidly and shows no signs of letting up. In fact, according to a report by Borrell Associates, local online advertising is expected to grow by 31 percent this year, hitting $7.7 billion. The report also predicts local paid search will skyrocket by 86 percent this year, up to $1.8 billion. Local e-mail marketing will experience growth of about 54 percent, reaching $233 million.

There’s no question that consumers are using the internet to navigate their way to local brick-and-mortar retailers. A recent study by ROI Research Inc. and Performics shows that online searches influence 20 to 30 percent of purchases made at retail locations–and that number is only increasing. More and more sites, like, are making their presence known by competing against major search engines like Google and Yahoo!. So study up, plan your budget and get in on the online advertising game.

1. Website: Google AdWords

How It Will Help You: AdWords helps you target local online customers by setting your pay-per-click ads to appear only when people search a particular city, state or region. There’s no minimum spending requirement–your daily budget is up to you.

2. Website: Yahoo! Local Listings

How It Will Help You: Local Listings will promote your business to customers looking for information in Yahoo! Local. Choose from three different plans (one is free) to meet your company’s needs.

3. Website: CitySearch

How It Will Help You: CitySearch offers online advertising tools to easily open your account, manage your daily results and receive ad placement on proposal MSN, Yahoo!, Google and Similar to the idea of pay-per-click advertising, CitySearch offers two paid plans, “Web Connect” and “Call Connect.”

4. Website:’s AskCity

How It Will Help You: recently launched AskCity, a new local search application that’s a one-stop destination for making plans. In one screen, consumers can map a route, make dinner reservations, purchase movie tickets and e-mail plans to others. Pricing for advertising on varies.

5. Website: AOL’s CityGuide

How It Will Help You: AOL’s CityGuide specializes in providing local entertainment information to AOL service members. Advertising with AOL allows marketers to target consumers specifically by lifestyle and market.

6. Website: Craigslist

How It Will Help You: Craigslist gets an estimated 10 million unique visitors per day. With an online classified ad format organized by region or city, Craigslist connects buyers and sellers in more than 300 communities; for the most part, posting on the site is free.

7. Website:

How It Will Help You: This free site offers a local business listing service that allows you to better manage your online reputation and become more visible in search engine results.

8. Website: Dotster

How It Will Help You: Dotster is a web domain registration and hosting company offering a local web advertising package called “Local Site Promotion.” You set your monthly budget and Dotster will make your ad visible on all the major search engines.

9. Website:

How It Will Help You: Advertising on will give you access to their 10 million-plus monthly customers. Choose from a free basic listing or pay-per-click options.

10. Website: Froogle Local

How It Will Help You: Google’s shopping search engine allows users to search for specific products by location. It’s a great way for users to find retail stores regardless of whether you use e-commerce.

11. Website:ReachLocal

How It Will Help You: This site provides a central location for businesses to set-up, maintain and track local search advertising campaigns. Pricing varies.

12. Website: RegisterLocal

How internet business opportunity It Will Help You: RegisterLocal is a service, costing $199.95 per year, that allows you to create a master profile they submit to search engines and directories on your behalf.

13. Website: TrueLocal

How It Will Help You: This local search engine advertising agency features full-text searching and offers advertising opportunities for businesses. Currently indexing more than 13 million local businesses, TrueLocal starts at just $1 per month.

14. Website:

How It Will Help You: is a large online local directory site featuring city guides and advertising solutions. Basic listings are free.

15. Website:’s MyEzClicks program

How It Will Help You: MyEzClicks lists your business on more than 30 major search engines, including Google, Yahoo! and MSN for a monthly fee.