A diagnosis shouldn't also mean a financial crisis. Get a tax-free lump-sum payout — same-day approval.
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.