A Diagnosis Shouldn't Mean Financial Crisis
Critical Illness insurance pays you a tax-free lump sum upon diagnosis of a covered condition — so you can focus on recovery, not your bank account.
Canadians will be diagnosed with cancer in their lifetime
more likely to be critically ill before 65 than to die
received from OHIP for income lost during critical illness recovery
lump-sum payout — use it for anything you need
What's Covered
Tap the ⓘ icon for details on each covered condition.
Life-threatening cancers trigger a full lump-sum payout
Payout upon confirmed myocardial infarction
Coverage for strokes causing neurological impairment
Major organ transplants including kidney, heart, liver, lung
MS, Parkinson's, ALS, blindness, deafness, and more
Get your premiums back if you never make a claim
Who Should Have CI Coverage?
Anyone with a mortgage or debt
A CI payout can clear your mortgage so recovery isn't clouded by financial stress.
Self-employed professionals
No sick pay, no employer disability plan — a CI payout bridges the gap.
Parents of young children
Protect the family's financial stability if a parent is diagnosed.
Those with family history of illness
Cancer, heart disease, or stroke in the family? Lock in coverage while you're healthy.
How Can You Use the Payout?
Get a Critical Illness Quote
Marie works with Canada's top CI carriers — Empire Life, Manulife, Sun Life, and Canada Life — to find you the best coverage at the best rate.
How CI Fits Into Your Plan
Critical Illness works alongside — not instead of — your life and disability coverage.
Life Insurance
When you die
Beneficiaries
Replaces your income for your family after death
Critical Illness
Upon serious diagnosis
You directly
Tax-free lump sum — spend it however you need
Disability Insurance
When you can't work
Monthly income
Replaces 60–85% of income on an ongoing basis