Critical Living Benefits
Safeguard yourself financially against serious illnesses.
Protecting What Matters Most
Your well-being and that of your family is of utmost importance. To ensure that, we provide a range of insurance options along with expert guidance to help you choose the best coverage tailored for your family’s needs—offering financial resources in times of unexpected challenges.
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Critical illness insurance (CII) is designed to assist Canadians or those residing in Canada with the extra costs that may arise from life-altering illnesses. This adaptable insurance solution can cater to various needs for individuals at different life stages.
What does critical illness insurance cover?
CII typically covers serious conditions such as cancer, heart attacks, strokes, major organ failure (while on the waiting list), severe burns, and more. Claims are evaluated based on the specific critical illnesses detailed in the policy at the time of issuance. Each covered illness must meet precise definition criteria, and policies may include exclusions and limitations.
Why is critical illness insurance essential?
In the event of a diagnosis involving a covered illness, a CII policy can help you manage expenses that may not be covered by provincial or territorial health plans or other insurance, such as home-care costs. CII pays out a lump sum that you can allocate as needed, allowing you to support your family or business while you focus on your recovery from a life-changing illness.