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❤️ Living Benefits

Critical Illness Insurance.
Cash when you need it most.

If you’re diagnosed with cancer, heart attack, or stroke, your bills don’t stop. Critical illness insurance delivers a tax-free lump sum — use it any way you want.

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25+ Covered Conditions

Cancer, heart attack, stroke, organ failure, Parkinson’s, MS, and more. Pays on first diagnosis.

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Tax-Free Lump Sum

Receive your benefit tax-free. Use it for treatment, mortgage, childcare, or time off work — no restrictions.

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Return of Premium

Some policies return all premiums if you never claim — a full refund of every dollar if you outlive the policy.

FAQ

Critical Illness FAQ

How is this different from life insurance?
Life insurance pays when you die. Critical illness pays when you’re diagnosed — even if you make a full recovery. Both are important for complete protection.
How much coverage should I get?
Enough to cover 6–12 months of income and expected treatment costs not covered by OHIP. Many clients choose $100K–$500K.
Is there a waiting period?
Yes. Most policies have a 30-day survival period after diagnosis before the benefit is paid.
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