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Life Insurance

Critical Illness Insurance

To pay for the very best medical care, should you ever need it

Your world doesn’t have to end if you are diagnosed with a critical illness like cancer, heart disease or a stroke. The latest medical advances have greatly increased your chance of survival and recovery, provided you can afford them. That’s where critical illness can help. After a waiting period, you’ll receive a cash payment you can use any way you like.

This means that you will be able to seek out the very best medical care there is, even if it isn’t covered by your private health insurance or the Ontario health plan. It can also help you compensate for any lost income if you don’t have any disability coverage at work.

You can select the amount of the cash benefit and what illnesses to cover. While it may be tempting to cover a broader range of illnesses, cancer, strokes and cardiovascular disease are covered in all policies.

If you have received treatments or had a diagnostic for a life-threatening illness, this insurance will not be able to cover it.

 

How to make the most out of your critical illness insurance

  • Some policies include options that allow you to convert your coverage or have your premiums reimbursed.
  • It’s wise to think about critical illness as one of three essential life and health products you need: disability insurance and life insurance are the other two.
  • If you have a history of life-altering illnesses in your family, as many do, this coverage is even more important to have.

These are just a few ways to get more for your coverage. Call Shawn Shirdarreh Team life agent today to find out what coverage we’d recommend.

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