Even at odds of 14 million to 1 everyone has thought about what they would do if they won.

Sadly life’s lottery offers a greater chance of suffering a serious illness than most of us would care to think about.

Claims Statistics from Bright Grey (A life insurer) for the second half of 2010 give some interesting insights;

It’s the last thing you want to consider and the last thing you would think about insuring against.

You may not have realised it but many UK insurers add Children’s cover for free and automatically added to their parent’s policy.

That lump sum of up to £25,000 could make all the difference in the world;