Critical Illness Dealing with a critical illness imposes emotional and financial strains on survivors and their families alike. In particular, those who are diagnosed with a critical illness have to combat a number of hurdles including dealing with the natural anxiety associated with the disease. Provides protection against the most common diseases including heart-attack, stroke and cancer: Term 10, Term to age 75, Term to age 100 Optional Features: Full Return of Premium upon expiry of the policy Full Return of Premium upon death of the insured