• Provides financial assistance following the diagnosis of a critical illness
• Helps you honour your financial commitments while you recover
• Help cover costs related to your critical illness or disability
• Allows you to take the time you need to recover by providing financial support to compensate for lost income
• Critical illness insurance helps protect you against the financial consequences of a critical illness such as cancer, heart attack or stroke. If you’re diagnosed with one of the conditions defined in the policy, you’ll qualify to receive a one-time, lump-sum cash benefit to spend however you wish.

If you’re diagnosed with a critical illness, focus on recovery with support from tax-free lumpsum critical illness insurance benefit…

You may think it will never happen to you, but at any time, an unexpected accident or illness could prevent you from working for months or even years. Are you prepared to deal with the temporary or long-term loss of income?

• How would you maintain your standard of living?
• How long would your savings last?
• How would it impact your retirement planning?

Disability insurance provides you with a monthly income to compensate for the loss of earnings due to a disability. As a result, you can continue to meet your financial obligations as well as cover expenses related to your physical condition.

You should consider disability insurance for the following reasons:

• Worker’s compensation will only provide coverage for work-related injuries and accidents
• Unemployment insurance only provides short-term financial relief if you become sick or injured
• Group coverage plans do not always provide adequate benefits
• If you are self-employed, you will not have access to the protection you need from an employer

• Cost of Living Allowance
• Additional Insurance
• Partial Disability
• Residual Disability
• Pension Guard
• Own Occupation
• Health Protection
• Premium Refund