No-one ever expects to become ill especially when they are young and healthy but planning for this unforeseen event is worthwhile; which makes preparing for this by arranging a critical illness insurance policy all the more important. For just a few dollars every week it is possible to protect your family financially should anything happen to you whereby you will no longer be able to provide for them.Research has shown that planning for critical illness is a wise move as statistically the chance of this happening is actually high, so much so that insurance providers now offer this type of policy quite routinely. Studies have highlighted the problem with almost one man in five by the time they retire having a serious medical condition. The studies only provide women with a little better chance with one in six having serious health problems by the time they stop work.  Even if this would be the statistics, some people are already using  motorized wheel chairs  even if critical illness is not still at bay.It could be ignorance or just a general hatred of critical illness insurance cover that stops people from starting these plans. This type of policy is designed to protect those around you who you love but the primary reason why people organize critical illness cover is to ensure mortgage repayments do not lapse.Since the advent of the Internet as a marketing and sales tool, insurance companies have promoted their products online and in recent years there has been an increase in online insurance applications. For obvious reasons there will be certain things that require physical evidence so these plans are not always smooth sailing to organize. This is because many insurance providers who offer this type of coverage wish to have the applicant take a medical examination by an independent physician to ensure there is nothing untoward right from the start. A common complaint of insurance companies is that they are often insensitive to the plight of their customers and this is not the attitude you want if you are contacting them about your critical illness insurance policy.Some groups of individuals fall into high risk categories like those who smoke for example and can be expected to pay more for their cover. Many things are taken into account when dealing with the risk factor associated with any type of policy including the applicant's age, their overall health, whether the type of work they do is dangerous or any activities they participate in, not just whether they are a smoker.However, the purpose of applying for critical illness insurance protection is to make sure that even if a terminal illness is diagnosed, surgery is required or even a period of unemployment, that benefits will be forthcoming to cover living expenses. No person can guarantee that they will always be there for their family but insurance plans are one way to ease the burden if you are diagnosed with a critical medical condition.