Survive physically.
Survive financially.
Get up to $2,000,000 tax-free if diagnosed with a serious illness. Use the cash for anything—treatment, bills, or recovery.
Claim payout
Beneficiary
You (Living Benefit)
Waiting Period
30 Days
Lump Sum Cash
Paid directly to you, tax-free. Not to the hospital.
You Decide
Cover lost income, experimental drugs, or pay off your mortgage.
Focus on Health
Remove financial stress so you can focus 100% on recovery.
What is covered?
Policies typically cover 25+ conditions. These 4 account for 85% of claims.
Heart Attack
Cancer
Stroke
Bypass Surgery
Plus 20+ other conditions including:
The harsh reality.
Canadians will develop cancer in their lifetime.
Strokes occur in Canada every year.
Of heart attack survivors are under age 65.
"But I have disability insurance?"
Disability insurance replaces your income (monthly).
Critical Illness is a lump sum "bonus" to cover extra costs (medical travel, home mods, drugs) that your paycheck doesn't cover.
Don't get sick? Get your money back.
Add the Return of Premium (ROP) rider. If you never make a claim, you get 100% of your premiums back. It's risk-free protection.