You have no obligation that when looking for various different types of insurance through various different insurance brokers, you will never be made to sign a contract or pay any monthly premiums until you are happy you are taking out the right policy for you.
Again even when the cover has started and you are paying for the insurance on a monthly basis you can cancel the cover at any point by simply cancelling your direct debit instruction. Once the Critical Illness Insurance has started, and you were to make a claim the monthly benefit you had decided upon will be paid directly to yourself.
Therefore you can use such money to do what you want whether you choose to pay any monthly bills etc or whether you choose to spend it on a family day out the choice is yours. It is just piece of mind that if you do need to use that money for financial reasons the funds are there to do so.
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