Critical Illness Insurance

Suffering a critical illness is not only emotionally draining, but financially devastating too. Protecting yourself with Critical Illness insurance allows you to cover any financial burdens, pay for advanced medical treatment, or use in any way you feel will best aid in your recovery.

Critical Illness insurance provides you with a lump sum payment if you become diagnosed with a serious illness such as:

  • Cancer
  • Coronary Artery Bypass
  • Heart Attack
  • Stroke

You can choose to be covered for only these four major illnesses or for an additional 20 other forms of debilitating illnesses.

Product Features and Benefits

  • Permanent or term policies - you can pay a single premium for life or select a suitable term to your preference.
  • With Critical Illness policies you are assured guaranteed renewal rates regardless of your health condition
  • No need to provide additional medical evidence for renewals or conversions unless you wish to increase your benefit amount.
  • Critical Illness benefits are tax free (unless the premiums are paid for by a business)
  • Have peace of mind knowing you will be able to focus on recovering without worrying about taking time away from work, managing your expenses and maintaining your family's lifestyle
  • Spend your benefit as you wish - use it to meet expenses not covered by your provincial health care or other existing insurance plan, to buy specialized equipment, make home modifications or even to allow a loved one to take time off work to care for you
  • As long as you meet the conditions to receive a benefit payment, the Critical Illness insurance is paid to you even if you make a full recovery

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