Your health is your wealth!


Critical Illness Insurance

Critical illness insurance pays a lump-sum, tax-free, cash payment if you are diagnosed with and satisfy the definition and  survival period for any one of the critical illnesses covered by your policy. It’s just that simple. One cheque for the full amount.

Advances in the medical care and emergency care allow more people than ever to survive catastrophic illnesses. The chances of contracting and surviving a critical illness prior to retirement are reasonably high.

The good news is that the chances are that you are going to survive a critical illness — a heart attack, cancer or a stroke (and 20 others). But recovery can come with a steep cost. While you are recovering, it is likely that you are not working. But that doesn’t stop the need to pay your mortgage, utility bills, car payments.

Critical Illness insurance can cover all of these costs including prescriptions that are not covered (and some cost hundreds of dollars each month). Maybe you’ll want to seek alternative treatments or fly to get care at some out-of-country center.

Disability Insurance- income protection

Many think that their home is their greatest asset! In fact, your ability to earn an income is your greatest asset! The lifestyle you enjoy, your children’s college education, and your retirement savings all depend on your ability to earn a living. If you suddenly had less money coming in—plus additional money going out to cover bills related to your disability—where would the money come from to replace your lost income?

Even if you already have disability insurance through your employer, it may not be enough.

If you lost your ability to earn an income, you could also lose the lifestyle you’ve created. An accident or serious illness can happen when you least expect it, leaving you unable to work and earn money. Your provincial health plan can help with the medical bills. But to replace lost income, you need disability insurance.