It is no secret that critical illness coverage - while essential - doesn't come cheap. Which is why when I saw FWD's latest Big 3 Critical Illness insurance, with premiums from as low as 1/3 the price of regular CI plans*, my husband and I immediately applied for it. So if you've been wanting to increase your CI coverage like us, but found the premiums too expensive, you might also find this plan helpful. A few weeks ago, my dad was recently diagnosed with yet another critical illness. The cost of long-term care isn't cheap, which meant that our financial responsibilities had just gotten even heavier, and that led to our decision to increase our CI protection levels in case anything happens to either of us. But adding to our CI riders on our life policy didn't seem like a viable option for our budget, given how much the premiums cost us....