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Auds

Life insurance with critical illness

By Auds in Off Topic

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Boiler Grand Master

Boiler   46,027

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Why not keep your Life Assurance? Critical Illness, well that varies a lot so best not to comment.

“If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle.”

Maria1989 Community Regular

Maria1989   403

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11 minutes ago, Boiler said:

Why not keep your Life Assurance? Critical Illness, well that varies a lot so best not to comment.

Wouldn't the life Insurance, since its from a Foreign Country, be payable in that specific currency. Which could be a major difference and not as valuable

Boiler Grand Master

Boiler   46,027

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Or more valuable.

“If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle.”

Auds Community Regular

Auds   223

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43 minutes ago, Boiler said:

Why not keep your Life Assurance? Critical Illness, well that varies a lot so best not to comment.

I have been given varied information that its not valid for US Citizens and Residents...

Its in dollars for about USD1million life, USD600 Critical Illness

Boiler Grand Master

Boiler   46,027

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12 minutes ago, Auds said:

I have been given varied information that its not valid for US Citizens and Residents...

Its in dollars for about USD1million life, USD600 Critical Illness

Critical Illness like I say depends, but do not know why it would be an issue for Life Assurance, what did they say?

“If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle.”

Auds Community Regular

Auds   223

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1 hour ago, Boiler said:

Critical Illness like I say depends, but do not know why it would be an issue for Life Assurance, what did they say?

Critical illness is not a medical cover - i think its defined differently in the US.  Its like a life insurance, so if we got any illlness on the list we would get a payout regardless of actual cost of treatment.

 

i will delve further and post updates here for others.  I am not sure if life insurance has to be linked to income etc... you see i will not be working in the US, but still need the life insurance to cover for my kids..

Boiler Grand Master

Boiler   46,027

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I know what Critical Illness is but never got involved in it at a practical level. So do not feel comfortable being specific.

 

Income is only relevant to the extent you can pay the premiums, or are you looking to insure the children?

Edited by Boiler

“If you know the enemy and know yourself, you need not fear the result of a hundred battles. If you know yourself but not the enemy, for every victory gained you will also suffer a defeat. If you know neither the enemy nor yourself, you will succumb in every battle.”

 

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