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Coverage when it counts

Focus on your recovery knowing that you have money to help with your expenses if you’re diagnosed with a serious illness.

Tax-free payout

A one-time benefit payment that you can use for whatever you need.

Health Experts

World-renowned specialists can help you and your family at any time for any comdition.


Get counselling and other services from professionals during your recovery.

Family Playing Table Tennis

What is critical illness insurance?

Critical illness can give you a tax-free payment if you’re diagnosed with a serious condition. Your contract will define which conditions you’re covered for, but some examples include cancer, heart attack or stroke. 

How does it work?

  • Choose the coverage amount you want. 

  • Pay your premium. 

  • File a claim if you’re diagnosed with a critical illness.

  • Receive your payment. You may have to wait a set period of time depending on your condition. 

Family Meal

Let’s build a plan that works for you.

Our experts can help you figure out an insurance approach that works for your unique needs.

It’s more than just a payout

Coping financially with an illness is just part of the picture. Having access to emotional support and medical treatments can help your recovery.

Expert medical help

Get access to the top 5% of specialists in their fields. They can:

  • Provide a second opinion

  • Help understand medical conditions

  • Explain treatment options

  • Help navigate the health care system 


Additional support


You and your family can get professional help to deal with the impact of your illness. They can provide:

  • Counselling services

  • Family support services (child care, home care)

  • Legal and financial consultations

  • Nutritional advice

Why do you need critical illness insurance?

It’s more common than you think

A serious, life-altering illness affects one in three Canadians in their lifetime.

Cover daily costs

Use your payout to help with your expenses while you recover.

Protect your retirement savings

Don’t dip into your RRSP or other investments to pay for additional medical costs.

Focus on your recovery

Concentrate on getting healthy knowing your benefit payment can help with your finances.

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Do you need critical illness or disability insurance?

Depending on your situation you may need only critical illness or disability insurance but there are many times when you need both to fully protect yourself. 

Critical illness and disability insurance work together to help reduce the impact of disability or serious illness. 

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