Is a Critical Illness or Lifestyle Plant the same as PPI?

A question about : Is a Critical Illness or Lifestyle Plant the same as PPI?

Hi everyone this is my 1st post. I've been inspired by many of you to consider challenging the validity of a policy I took out in 2003. It was an Allied Dunbar Critical Illness Plan now Zurich Lifestyle Plan. I honestly don't know how I got talked into paying this plan for 10 years, much of which I was self employed for. I'm wondering if this policy would be the the same as PPI?

Any help would be much appreciated by this newbie.

Best answers:

• Given that it was not associated with a loan (presumably, else you've have said so) then no it's not PPI
  And it's entirely possible it would have paid out in the event of critical illness, self employed or no. It might not have had unemployment cover, true, but they are different things
• Just to clarify - a Critical Illness policy pays out a lump sum should you suffer a Critical Illness such as cancer, heart attack or stroke, your policy document will list the conditions covered. Your employment status is not relevant nor is any sick pay through work, the policy pays out on diagnosis irrespective of whether you have to take time off work or not.
  If you no longer want the cover you could always cancel the policy but then you might regret doing so down the line if you did suffer a critical illness
• Thanks for your views - they really help.