In Britain we have a type of insurance called critical illness cover, which is a long term policy that will give you a tax free ''lump sum'' in the event of being diagnosed with a serious illness. It is designed so that you can pay off your mortgage or alterations to your home if you require them due to illness. My message here is that i had this cover until a few years ago and then cancelled it thinking i can't afford the premiums, it's too expensive. Six months ago i was diagnosed with a serious heart condition that would have been covered by the insurance and my mortgage would have been paid off. How i regret cancelling that policy now, i would urge anyone not to make my mistake and keep up with the premiums, don't just think it will never happen to me because life has a way of surprising you. Not all conditions are covered, but i think now that it is an essential insurance to have.