Critical Illness


Why Do I need Critical Illness Insurance?


Being diagnosed with a Critical Illness can be devastating both emotionally and financially.  A Critical illness can  not only affect your ability to earn income, but it can also create the need for extra funds to pay for modifications to your home, medical equitpment, nursing care, time off for a spouse, etc.

Critical Illness insurance provides a tax free lump sum payment if you are diagnosed with one of the covered illnesses under the policy contract (such as cancer, heart attack, stroke) and survive for a specified period of time. This type of insurance is a great complement to disability income protection.

About Critical Illness Insurance


  • Covered Illnesses

    Critical illness insurance can cover the insured for life threatening cancer, heart attack, stroke, loss of independent existence, and much more.

  • Application Process

    A medical questionnaire will be required. A medical exam is typically needed, but not always.

  • Return of Premiums

    A portion of premiums paid into the policy could be eligible to be refunded on certain policies.

  • Tax Free Lump Sum Benefit

    The critical illness benefit can be paid out as a tax free lump sum to be used at your discretion.

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If you have any questions or would like to start a conversation please feel free to contact me.


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