Can You Buy Critical Illness Cover On Its Own?

Shawn Plummer

CEO, The Annuity Expert

Critical Illness Cover Options

Yes, you can buy critical illness cover as a standalone policy. These policies are designed specifically to provide financial support if you are diagnosed with one of the illnesses listed in the policy. Alternatively, critical illness cover can also be added as a rider to a life insurance policy. This option integrates critical illness cover with your life insurance, providing more comprehensive coverage but typically at an additional cost.

Related Reading: What is critical illness cover

Standalone Critical Illness Cover vs. Rider: A Comparison

Standalone Critical Illness Cover:

  • Coverage: Specifically for critical illnesses.
  • Cost: This may vary based on the extent of coverage.
  • Flexibility: Can be tailored to your specific needs for critical illness coverage.
  • Claim: Does not affect life insurance benefits.

Rider on Life Insurance Policy:

  • Coverage: Adds critical illness to existing life insurance.
  • Cost: Additional cost on top of life insurance premium.
  • Flexibility: Dependent on the terms of the life insurance policy.
  • Claim: May reduce the life insurance benefit if a claim is made.


Choosing between a standalone critical illness policy and a rider depends on your specific needs and financial situation. Standalone policies offer dedicated coverage, while riders provide an integrated solution with your life insurance. Understanding the terms and comparing costs can help you make an informed decision. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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