Critical Illness

Medical advancements have significantly improved an individual’s ability to survive a wide range of life-threatening diseases. Critical Illness insurance provides you with a lump sum, non-taxable cash payment in the event of certain common illnesses.  The premium is deductible to the employer and is taxable to the employee when employer paid. The benefit is non-taxable in the event of a claim.


Each carrier has specific illnesses that they cover.  We have listed the most common illnesses below:

Heart attack
Major organ failure
Coronary artery bypass surgery
Coronary artery disease
Cancer – life threatening

Policy Proceeds

With this coverage you can use the policy’s proceeds as you wish.

When diagnosed with a serious illness, members are faced with additional expenses such as:

Home-care or house-keeping assistance
Out of country medical care (e.g. access U.S. health care system)
Purchase of medical apparatus
Home, cottage renovations or vehicle alterations
Vacation during recovery
Training towards a new career

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