Focus on recovery, not your finances.
A tax-free lump sum if you're diagnosed with a covered illness such as cancer, a heart attack or a stroke.
Critical illness is more common than you think.
Most of us know someone who has faced cancer, a heart attack or a stroke. Treatment keeps improving, which means more people living through recovery, and paying for it.
Critical illness insurance gives you money when you need it most, with no strings on how you use it.
- Paid in one lump sumAfter diagnosis of a covered condition and any survival period.
- Spend it however you needTreatment, travel, childcare or simply time to heal.
- Separate from other coverageIt works alongside disability and health plans, not instead of them.
How a claim works.
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Diagnosis
You are diagnosed with a condition covered by your policy.
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Claim
We help you file the claim and gather what the insurer needs.
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Lump sum
Once approved, the benefit is paid to you tax-free.
Questions we hear often.
Plain answers. If yours isn't here, ask us directly.
Ask an advisorEvery policy covers core conditions such as cancer, heart attack and stroke. Many cover a much wider list. We compare definitions between insurers, because they differ.
Disability insurance replaces income monthly while you cannot work. Critical illness pays one lump sum on diagnosis, whether or not you can work.
Yes. Children can be covered on their own plan or added to a parent's, often at a low cost.
Some plans offer an optional return-of-premium benefit that refunds premiums if you never claim. We can show you the cost difference.
Get your personalized coverage plan.
A short conversation, at a time and place that suits you. No pressure, no obligation.