Critical Illness

In our ever-changing world, danger can lurk around every corner. From car accidents to contagious diseases, it's a wonder that we muster the courage to step outside our homes. Yet, we do venture out because we understand that worrying about every possible risk would prevent us from fully embracing life's opportunities. While we may push aside smaller concerns, some larger risks demand our attention, especially when practical solutions are available. 

Critical illness insurance provides a lump sum payout upon the diagnosis and survival of covered conditions outlined in your policy. These conditions can range from cancer, heart attacks, and strokes to more severe cases like comas or severe burns, typically requiring survival for 30 days beyond the initial diagnosis. The expenses related to replacing lost income due to an inability to work, as well as covering current and non-provincial health care expenses, vary depending on the illness. 

Think of a critical illness policy as a form of savings plan. Most policies offer a return of premium if your policy expires or is canceled. In simple terms, as the policyholder, you could receive a full or partial refund of the premiums you've already paid. It's a win-win scenario: you'll either receive a critical illness benefit cheque if you become ill or a health benefit cheque if you stay healthy.

Facing the risk of critical illness is part of being human. Critical illness insurance is a readily available tool that provides financial security and peace of mind when life takes an unexpected turn. Contact us today, and we'll work together to find the best options tailored to your unique needs and circumstances.