If you buy a critical illness insurance that does not include death liability, then the critical illness insurance does not include sudden death. Even if the insured dies suddenly, the insurance company will not settle the claim; If the critical illness insurance you buy includes death protection or you attach extra death liability when you insure, then you can protect yourself from sudden death.
Therefore, seniors generally advise people with budgets to join the responsibility of death when purchasing critical illness insurance and be prepared. As for the detailed reasons, you can look at this article: Can you buy insurance and not die? Isn't this naive?
Then, in addition to the above-mentioned critical illness insurance with death liability, what other insurance products can protect sudden death?
First of all, life insurance can certainly protect sudden death. Because life insurance is based on the disease of the insured. Once the insured dies, whether it is natural death or illness (including sudden death), the insurance company will pay the corresponding death insurance money according to the regulations. According to the different guarantee periods, life insurance can be divided into whole life insurance and term life insurance. Interested friends can read the following article to find out: What's the difference between term life insurance and whole life insurance? Senior sister tells you!
In addition, the coverage of many accident insurance now also includes the responsibility of sudden death. Once the insured dies suddenly, the insurance company will pay the corresponding insurance money. Senior sister also suggested that when you buy accident insurance, you should choose products with sudden death protection, so that everyone can get more comprehensive protection. About how to choose accident insurance, you will know after reading this article: whether to buy accident insurance, how to buy it, what kinds are there, comprehensive analysis, comparative evaluation
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