Well, you could 'do it yourself', if you have enough spare time to evaluate and compare the huge available range of Critical Illness insurance products - but be sure to check the small print, even if you need a magnifying glass to do so!

If you're not confident that you'll be able to select the best deal yourself, you could follow a friend's recommendation, take advice from your Accountant, Bank, Building Society or Broker, or put all the Critical Illness insurance providers' names into a hat and choose one. Any of these alternatives has a more or less equal chance of success, but does not explore a range of choices.

The other option is to use a specialist IFA. That way you can be most confident of getting impartial advice covering the whole marketplace, and geared to meeting your personal needs. You are about to make a decision to insure yourself for thousands of pounds - get independent qualified advice.