A tax-free lump sum paid directly to you if you're diagnosed with cancer, heart attack, stroke, or 25+ covered conditions. Focus on recovery — not finances.
If you're diagnosed with a covered condition and survive the waiting period (typically 30 days), you receive a tax-free lump sum — no receipts, no restrictions on how you spend it. Use it for treatment, mortgage payments, income replacement, or anything else.
1 in 2 Canadians will be diagnosed with cancer in their lifetime. Critical illness insurance ensures that diagnosis doesn't also become a financial crisis.
Many CI policies offer a return of premium rider — if you never make a claim, you get all your premiums back at a set future date. It's essentially free coverage if you stay healthy.
Pairing critical illness with life insurance gives you protection whether you survive or don't. I design both plans to work together efficiently.
No pressure. No obligation. Just honest advice and the best coverage for your needs.
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