Your critical illness cover runs for as long as your life insurance policy, or until you make a claim.
If you have mortgage life insurance, it’ll run for as long as your mortgage.
If you have level term life insurance, you can choose how long you want to be covered for. Most people tie this to how long their family will be dependent on their income. If you have young children, this could be 20 years, but it could be longer.
You can even get whole life insurance that’ll cover you until the day you die, with added critical illness cover that’ll do the same.
There’s no expiration date for your critical illness insurance. As long as it’s within the cover period of your life policy, you’ll be eligible for a pay-out.