Founded in 1999 in Toronto

Critical Illness Insurance

Unlike long-term disability coverage that will pay out only in the case of protracted recovery periods, Critical Illness policies will pay a lump-sum non-taxable benefit, usually 30 or 60 days from the onset of any one of certain specified medical conditions, diseases or ailments.

No extended convalescence or proven disability is required to collect; only the fact of diagnosis is required.

The funds can be used for any purpose – to supplement lost income, take early retirement, pay off a mortgage or other debts or defray the expenses associated with medical treatments, recovery or rehabilitation.

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