If you are going to take critical illness out do it sooner rather than later because as soon as you have any pre existing condition it either becomes expensive or impossible.
Please take professional advice with this as every situation is different but after ensuring that a clean break/consent order was done…I used my existing critical illness which also covers my sonfor half the full amount without affecting the claim.
In addition two seperate policies, one lump sum in the event of death payable on his 21st birthday but also a nother in tandem that pays a weekly sum to whoever is his carer up until the age of 18 then him until he’s 21.
This was to cover all eventalities, as I am renting so have no property and couldnt guarantee the stability of his mother’s situation.
Please know that every situation is different though and it’s best to speak to a financial advisor about this.