Critical Illness Insurance

Survive physically and financially. A tax-free lump sum to help you recover on your own terms.

Focus on Recovery, Not the Bills

Modern medicine saves lives, but recovery comes at a cost. Plans provide a tax-free check if you are diagnosed with a covered condition. Use it for private treatment, mortgage payments, or simply taking time off to heal.

Plans Cover the “Standard 25”

Starting with the three conditions that account for ~85% of claims.

Heart Attack

Life-threatening coronary events.

Cancer

Major life-threatening malignancies.

Stroke

Cerebrovascular incidents with deficit.

Plus 22 Additional Conditions

✓ Aortic Surgery
✓ Aplastic Anemia
✓ Bacterial Meningitis
✓ Benign Brain Tumour
✓ Blindness
✓ Coma
✓ Coronary Artery Bypass Surgery
✓ Deafness
✓ Dementia (incl. Alzheimer’s)
✓ Heart Valve Replacement/Repair
✓ Kidney Failure
✓ Loss of Independent Existence
✓ Loss of Limbs
✓ Loss of Speech
✓ Major Organ Failure (Wait List)
✓ Major Organ Transplant
✓ Motor Neuron Disease (ALS)
✓ Multiple Sclerosis
✓ Occupational HIV Infection
✓ Paralysis
✓ Parkinson’s Disease
✓ Severe Burns

Don’t Get Sick? Get Your Money Back.

Add a “Return of Premium” (ROP) rider, and your insurance becomes a forced savings plan.

💰 ROP on Surrender

Also known as “Cash Out.” If you cancel your policy after 15 years, you can get up to 100% of your premiums back.

🛡️ ROP on Death

If you pass away from a cause not covered (like an accident), your beneficiary receives a refund of all premiums paid.

⏳ ROP at Maturity

If the policy expires (e.g., at Age 75) and you were healthy the whole time, you receive your premiums back.

Compare Canada’s Top Providers

We compare RBC, Sun Life, Canada Life, Manulife, and more to find the best definition and price for you.

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