If we have a good H&S policy, why do we still have to get coverage against critical illnesses (CI)? Well, if we should die quite quickly from these critical illnesses, then, that is the end of story for us. What if we did not die and were left weakened? What if we were unable to work or if we should wish to seek alternative treatment? Could we become a burden to our family? Having said this, depending on our circumstances, we might not need CI coverage for life. OK, some might still want it but that is something else. Here is a recent conversation with a reader: Hi AK, My insurance agent told me he has max up his critical illness (CI) coverage in his whole life policy as he claimed we need money to cover sickness after 70 years old... I told him hopefully I will be managing my finance ... ...