A difficult time in life can teach you what's really important. Just ask anyone whose life took a sharp turn when a medical problem was discovered. First off there are expenses, a difficulty for any family but which are a special challenge for any family who are covered by a limited medical insurance policy or have no insurance at all. If you have limited medical insurance, there is sometimes just not enough to pay the bills. You could have costs of staying near a clinic while hoping and praying that you will get well. Some people have family members and friends who have started get well funds to help pay expsenses. But all of this doesn't answer why there was no critical illness insurance. This Is Why Critical Illness Insurance Is Important Critical illness insurance is important as what you are doing is insuring your income , just like you insure your house. You wouldn't own a house without insurance, so why do you walk around without insurance against a personal catastrophe? You'll never know anything about expenses until you confront expenses caused by a major illness! From no income coming in to all the savings going out, families can be left in a great bind. Now that you've bothered to read this article, call your life insurance broker who sells critical illness insurance and get to know the difficulties you may face. And more positively, how you can solve them.