Critical Illness Insurance Pitfall Helper

Problem

Choosing critical illness insurance is hard because the decision mixes personal risk, household debt, occupation, and coverage duration. Many people have access to product brochures, but they lack a repeatable framework for deciding how much coverage to buy, whether to choose lifetime or term protection, how to spread premium payments, and which clauses deserve attention first. This skill turns public actuarial data and risk factors into a question-and-answer workflow, helping users form their own benchmark before talking to salespeople.

How It Works and Limits

The skill collects answers about age, gender, city tier, lifestyle, occupation, health, family history, income stability, and debt pressure, then applies risk factors inspired by the 2020 critical illness incidence table. The output usually includes a risk profile, coverage range, protection term, premium period, product type comparison, and clause priorities, plus a plainer consumer-psychology conclusion.
It does not recommend specific products, replace underwriting, health disclosure, or professional financial advice. The data is reference-only, and the plan should be revisited when health conditions, income, or family responsibilities change.