🇨🇦 Licensed in Ontario, Canada
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Wisdom · Integrity · Zeal

Critical Illness coverage
when you need it most.

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

How Critical Illness Insurance Works

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.

  • Cancer (life-threatening)
  • Heart attack
  • Stroke
  • Coronary bypass surgery
  • Multiple sclerosis
  • Kidney failure, major organ transplant & 20+ more

💰 Return of Premium Option

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.

📊 Sample Monthly Rates

  • Age 30, $100K, 20yr term: ~$55–$80/month
  • Age 35, $100K, 20yr term: ~$75–$110/month
  • Age 40, $100K, 20yr term: ~$110–$160/month

💡 Pairing CI with Life Insurance

Pairing critical illness with life insurance gives you protection whether you survive or don't. I design both plans to work together efficiently.

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