Critical Illness Insurance

"You need insurance, not only because you are going to die, but because you are going to live." - Dr. Marius Barnard, product founder .

With advances in medicine, science and technology and increasing life expectancy in Canada, we have a greater chance of experiencing a serious illness and surviving!

What's covered?
Our policy covers 22 conditions, some of which include the following:

* Heart Attack
* Cancer
* Stroke
* Coronary Artery Bypass Surgery
* Severe Burns
* Loss of Limbs

* Multiple Sclerosis
* Alzheimer's Disease
* Parkinson's Disease
* Major Organ Transplant
* Loss of Speech
* Deafness

* Paralysis
* Kidney Failure
* Coma
* Blindness
* Occupational HIV
* Motor Neuron Disease (including ALS)


What is the difference between Disability or Critical Illness?

Disability Insurance pays you a benefit to help meet day to day living living expenses while you are disabled. With disability insurance, the benefit is for a period of time until the beneficiary is fit to return to work.

Critical Illness Insurance on the other hand pays you a one time, lump sum benefit if you are diagnosed with a critical illness or condition as defined in your policy and you satisfy the survival period. This differs from disability in that a person diagnosed with a critical illness is not expected to return to work.

The benefit can be used to:

* seek timely or non insured treatment outside Canada
* pay outstanding loans
* allow a healthy spouse to take time off work
* put towards for anything else you want

How you use it is up to you!

Since Disability and Critical Illness Insurance meet different needs, a sound financial plan should include both.