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Life Insurance – Think About It. Not everyone needs life insurance. If you don’t have any debts or maybe only minimal ones which would be covered by your disposable assets should you die, then you’re fine. Not everyone has dependants and as long as there would be enough funds to settle your affairs and pay for your funeral, then you wouldn’t be leaving your next of kin any headaches. Not too many people are in this position though. Most have people who depend on them. If you’re the main breadwinner of the... Critical Illness Insurance - Of Critical Importance Twenty per cent of critical illness claims are turned down. That means for every five people making this important claim, one will have it rejected at this crucially important time. The whole reason behind taking out critical illness cover is that, in the event of you becoming critically ill (that is being diagnosed with one of the listed illnesses described in your policy documents) a payment will be made. The reasoning behind your decision to take out what some consider ...