​Did you know that approximately 40% of Canadians will be diagnosed with cancer during their lives? And 30% of all Canadians will suffer a "critical illness" before the age of 65? These numbers are not meant to scare you, but for some they are scary. What happens if you suffer a "critical illness" and survive? Unfortunately, similar to disability, if you do become ill your ability to earn an income will suffer and your medical bills will increase. Even a small critical illness policy can help you through the tough times.

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Critical Illness

​Most critical illness policies cover 25-30 different illnesses, with the "big 3" always on the list - cancer, heart attack, and stroke. Many people assume that disability insurance will be enough, but the benefit in a disability policy is usually just enough to cover monthly obligations. Critical illness coverage can help with short-term costs as well as any long-term support or upgrades you need to protect your quality of life. 

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Cancer Only

If you are most worried about cancer and are looking for affordable coverage, there are products that can help. This solution is best if you want coverage on a tight budget. Statistically, of all the critical illnesses, Canadians are most likely to suffer from cancer and about 50% of all patients survive. Protecting against medical bills and lost income might be easier than you think.

Fracture

If your work is demanding and a simple broken bone will take you off the job, this coverage can help by paying between $700 and $7000 depending on which bone is broken. For as little as $7 per month, you can get coverage! If you play a high-risk sport and do not want to risk the lost income a broken bone could cause, this coverage might be right for you.

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