David is 37 and lives with his daughter
He earns £29,000 a year and spends £550 a month on rent and another £700 on other outgoings including child care, food and clothes.
He wants to make sure his daughter will be financially secure and able to live comfortably if he dies or becomes too ill to work due to a critical illness.
As a non-smoker, for a sum assured of £150,000 over 20 years, a Level Life insurance plan would cost £16 per month.
To add Critical Illness to this plan of the same sum assured would cost an extra £56 a month.
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