Can You Get Critical Illness Coverage Without Life Insurance?

Shawn Plummer

CEO, The Annuity Expert

Yes, you can get critical illness coverage without having life insurance. Critical Illness (CI) insurance is a standalone policy that provides financial support if you are diagnosed with a specific illness listed in the policy. While life insurance is not a prerequisite for obtaining CI insurance, some states may require you to have health insurance to be eligible for CI coverage.

What is Critical Illness Insurance?

  • Definition: CI insurance pays a lump sum if you’re diagnosed with one of the illnesses specified in the policy.
  • Coverage: Typically includes illnesses like cancer, heart attack, stroke, etc.

Differences Between CI and Life Insurance

  • Purpose: CI is for immediate financial needs upon illness, while life insurance provides financial support after death.
  • Benefit Use: CI benefits can be used for medical expenses, living costs, etc., whereas life insurance benefits are typically used for after-death expenses.

Related Reading: Do I Need Critical Illness and Life Insurance?

State Requirements

  • Health Insurance: Some states might require you to have a basic health insurance policy before getting CI coverage.
  • Regulations: Check local laws as they can vary by state.


Critical Illness insurance is an important financial tool that can be obtained independently of life insurance. It offers peace of mind by providing financial support in the face of serious illness. Remember, while life insurance isn’t necessary for CI, health insurance might be, depending on your state. 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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