Lump sum payout
One tax-free payment triggered by diagnosis, not disability.
Critical Illness
A tax-free lump sum when it matters most.
Critical illness insurance pays a tax-free lump sum on the diagnosis of a covered illness — giving you the freedom to focus on recovery, not cash flow.
The gap public health won't cover.
Canadian healthcare covers treatment. It does not cover the mortgage, payroll, private care, out-of-country therapy, or the year of reduced income that so often follows a serious diagnosis.
Critical illness insurance pays a single tax-free lump sum — typically after a 30-day survival period — for conditions like cancer, heart attack, and stroke. How you use it is entirely up to you.
Many of our plans include a return-of-premium option: if no claim is made by a defined age, all premiums come back to you, making it effectively free coverage.
What's inside
The details that matter.
Broad coverage
Cancer, heart attack, stroke, and many more conditions.
Cash flow protection
Cover fixed costs without draining investments.
Business continuity
Keep payroll and obligations funded while you recover.
Return of premium
Optional refund of all premiums if no claim is made.
Complements disability
Fills the gap disability insurance was never meant to cover.
Talk it through
See how this fits your plan.
Book a private strategy call and we'll walk through how this service works inside a plan built for you.