You have just been diagnosed with a heart attack, stroke or cancer... you're unsure of how the next month, 6 months or 15 years will play out. If you could remove the financial pressures that will likely become part of the equation, do you think it would aid in the recovery for yourself, your family or your business? Would a (tax free) cheque for: $ 100,000? $ 500,000? $1,000,000? be helpful at that time in your life?
What Do These People Have In Common?
Critical Illness - No one believes it will ever happen to them.
Financially, celebrities, professional athletes and the independently wealthy may survive a critical illness. Most people would not. Financial stress slows recovery rates and can even make an illness worse. If you had a heart attack, would your business have a stroke? 38% of foreclosures and 50% of bankruptcies are caused by heart attack, stroke and cancer. Would you rather lose your home...or lose your mortgage?
Critical Illness coverage pays out a lump sum of cash between $10,000 and $2,000,000, usually 30 days after diagnosis of a listed illness or condition.
| Dr. Marius Barnard - world famous heart surgeon & creator of Critical Illness coverage. "You need insurance not because you are going to die... but because you are going to live." | |
 View Dr. Barnard'sVideo:  This video describes how and why critical illness insurance came about. | |
| In the Lifetime of the Average Canadian... | In the Coming Year... |
| |
Before age 75 - 72% higher chance of suffering a Critical Illness than dying. 38% of foreclosures and 50% of bankruptcies are caused by heart attack, stroke and cancer. | |
*Covered Critical Illnesses | ||
Alzheimer’s disease | Loss of Speech Loss of Sight Loss of Hearing Benign Brain Tumor Multiple Sclerosis Huntington’s Chorea Parkinson’s Disease | Occupational HIV Infection Major Burns Major Organ Transplant Motor Neuron Disease (ALS) Stroke Paralysis or Loss of Limbs Valve Replacement Loss of Use of 2 Limbs |
| *See individual contracts. | ||
Cost Examples of Individual Critical Illness - Term 10
Female/Male Age 30 NS $100,000 - $32/month
Female/Male Age 40 NS $100,000 - $51 - $54/month
Female/Male Age 50 NS $100,000 - $95 - $114/month
Premium Refunds are Available (Canadian Residents Only)
How much would you purchase if it didn't cost you anything?
Attention Employers
Great Recruiting & Retention Strategy!
Groups of 10 + No Underwriting!
NOTE: For employee groups, premiums are tax deductible to employers.
Benefits are tax free to employees.
"But I already have disability insurance."
Critical Illness insurance is not disability insurance. Disability insurance replaces your income. Critical Illness insurance provides you with a lump sum payout, even if you are back at work.
You may have disability insurance with a certain waiting period, i.e.; 90 days, suffer a heart attack, have triple bypass surgery and be back at work in 6 weeks.
Your Disability insurance would pay you $0
A Critical Illness policy would pay you what you insured for:
$100,000
$250,000
$500,000
$1,000,000
Where Does Critical Illness Fit for You?
Individual Financial & Estate Planning
Employee Group Benefit Planning
Funding Shareholders Agreements
Key Man
Funding for Debt
Funding for Charitable Gifting
Statistics show it's almost a matter of "when" not "if".
Call today - before a diagnosis.
*Critical Illness contract includes "Best Doctors" Program ...(more)
