Critical Illness Insurance

• Tax-free lump-sum payout upon diagnosis
• Covers 25–40+ critical conditions depending on plan
• Cancer, heart attack, stroke are most common triggers
• Return-of-premium option available on some plans
• Coverage amounts from $25,000 to $2,000,000
• No restrictions on how you spend the benefit

Why Critical Illness Matters

1 in 2 Canadians will be diagnosed with cancer in their lifetime. 9 in 10 heart attack survivors live to collect their benefits. Without critical illness insurance, a serious diagnosis can devastate your savings — even with provincial health coverage.

Covered Conditions

• Cancer (life-threatening)
• Heart attack
• Stroke
• Coronary artery bypass surgery
• Kidney failure
• Major organ transplant
• Multiple sclerosis
• And 20–35 more conditions depending on the plan

Return of Premium

Some plans offer a return-of-premium rider — if you never make a claim, you get all your premiums back at a certain age. This effectively makes the insurance 'free' if you stay healthy.