A big basis of writing insurance policies comes from the question, what is the insurable interest of this individual? For a parent this can be easy to establish as mortgage liabilties and the loss of annual income can have a great impact on a family's financial security. However, there is no insurable interest in a child as they do not typically contribute anything to the household. In order to secure a degree of Critical Illness Cover for your child, you would need to take out a Critical Illness policy yourself, that includes a degree of children's cover.

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