Critical Illness Insurance
Tax-free cash when you need it most — no restrictions, no clawbacks.
Most people know someone who has been affected by a critical illness. They survive — but their lives, and the lives of their families, are profoundly changed.
Tax-Free Cash When You Need It Most
Critical illness insurance provides a tax-free lump-sum cash benefit upon surviving 30 days following the diagnosis of a covered critical illness. Unlike disability insurance which replaces income monthly, this benefit is yours to use however you choose — no restrictions, no clawbacks.
There are typically 25 covered critical illness conditions. All plans include two assistance services at no additional cost: Best Doctors and Shepell.
Your Disability Coverage May Not Be Enough
You may have long-term disability coverage through your employer. But a serious critical illness could be life-altering. Disability benefits cover a portion of your income. Critical illness insurance fills the gap — providing a lump sum to cover what monthly income replacement cannot. An estimated 254,100 Canadians were expected to be diagnosed with cancer in 2026 alone — critical illness isn't a remote possibility, it's a statistical likelihood most families will face at some point.
Source: Canadian Cancer Society — Cancer Statistics at a Glance
Coverage Designed for Your Life
Age Eligibility
18–65
Benefit Amounts
$25,000 to $2,000,000
Plan Types
Term 10, Term 20, Permanent to age 65, 75, or 100
Return of Premiums
Available on select plans
Covered Conditions
Typically 25 critical illnesses
Assistance Services
Best Doctors & Shepell (included at no cost)
The 1% Solution
Allow just 1% of your gross annual income toward critical illness coverage, and you'll have enough to cover one year's salary if diagnosed with a covered condition. It's a simple, powerful way to think about protection.
Insurance solutions are a general overview of policies offered by our approved suppliers. Please refer to quotations and policy contracts for complete details. E. & O. E. accepted.
Stephen Parsons
Independent Broker
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Independent broker — we work for you, not the insurance companies. Operating since September 1, 1991.
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