Critical Illness Insurance: Because Getting Sick Shouldn’t Make You Broke

Life throws curveballs. This one writes a cheque when it does.

Critical Illness Insurance isn’t as well-known as life insurance, but it should be. It’s the policy that kicks in while you’re still alive, just at a time when everything kinda sucks.

1. What Is Critical Illness Insurance?

It’s a tax-free payout if you’re diagnosed with a major illness like:

• Cancer

• Heart attack

• Stroke

No receipts. No explaining. Just a lump sum to help you survive without draining your bank account.

2. How Is It Different from Life Insurance?

Life insurance pays out when you die. CI insurance pays out when you don’t, but could’ve.

Think of it as your “not today” policy.

3. What Can You Use the Money For?

• Replace your income while you’re off work

• Pay for treatment, travel, meds, or private care

• Keep your business running

• Avoid going full panic-mode on your finances
  

4. How Much Does It Cost?

It’s cheaper than you think. For most Canadians, it’s a few bucks a week. Way less than the cost of being sick without a safety net.

5. Should You Get It?

If you rely on your income to survive - yes. If you have zero savings and high stress - double yes. If you’re immortal - skip it (and call us, that’s insane).

We can bundle Critical Illness with life insurance, or help you get it solo. Either way, when life goes sideways, you’ll be glad you didn’t ignore this one.

Take the quiz. Get a quote. Then go back to pretending nothing bad ever happens - but smarter this time.