Insurance against the most critical illnesses and conditions

When diagnosed with a serious illness, the last thing you want to worry about is your finances.

Did you know that you are 4 times more likely to suffer a critical illness than die before the age of 65?

Critical illness insurance provides a lump sum of cash in the event that you are diagnosed with a chronic or critical illness, such as cancer, heart attack, or stroke.

It can help ease the financial burden on you or your loved ones if you were no longer physically able to provide the financial support required for your medical needs or lifestyle.

Think of it as a supplement to traditional health insurance. Unlike a traditional policy that may cover a portion or percentage of each expense, critical illness insurance pays out a lump sum cash benefit.

The amount of that lump-sum benefit is predetermined and varies depending on the condition and your specific policy. Typical payouts range from $10,000 to $100,000.

Unlike a traditional health insurance policy, you can use a critical illness insurance payout for anything you want. This makes it significantly more flexible than regular health insurance.

You can use the payout from a critical illness insurance policy for:

  • Expenses not covered by your insurer
  • Transportation to and from the doctor
  • Meals or child care while you’re recovering
  • Bills if you’re unable to work
  • Other pocket expenses

Who Should Get Critical Illness Insurance?

Many consumers think that having a heart attack or stroke will be fatal, but most patients survive. Unfortunately, mortgage payments, medical bills, and car payments don’t stop while they’re recuperating.

If you’re worried about having a heart attack, stroke, or cancer, this type of insurance may be just what you need. Think of it like a backup plan to traditional health insurance – something to fill in the gaps and ease your mind.

Why do you need critical illness insurance?

Replace lost income

You will not leave your dependents financially helpless if they rely on your income, with adequate coverage while you recuperate.



Meals or child care while you’re recovering

These “hidden” costs can have a significant impact on your loved ones.

Pay off debt

Debt does not disappear, whether you are sick or not.



Business coverage

As a business owner and partner, critical illness insurance ensures one partner is not left with heavy financial burdens if the other can work.

Protecting those you love is easy

When you take care of your life, it is easy to protect your loved ones

Step 1

Answer a few simple
questions about you and
your lifestyle

Step 2

Check your Quality of Life Index
to unlock great rates
and personalized advice

Step 3

Simply select the right
insurance plan and apply