Critical illness and disability insurance can help protect your income and finances if you're unable to work. A licensed Canadian advisor can help you understand your options — free, no obligation.
Most Canadians insure their car, their home, and their phone — but not their ability to earn an income. Yet a serious illness or injury can disrupt your cash flow at the exact moment your expenses rise. A short review can help you understand what protection may make sense.
Workplace group plans often cover a fraction of income, for a limited period, under specific conditions. Self-employed Canadians typically have no group coverage at all. And critical illness — the lump-sum benefit that can help during a diagnosis — is rarely discussed until someone needs it.
Your review covers both types of coverage: critical illness (a lump-sum benefit on a covered diagnosis) and disability insurance (ongoing income replacement while you can't work). A licensed advisor explains how each works and which may be relevant to your situation.
Two types of protection, clearly explained
Understand how critical illness and disability coverage work — and how they complement each other.
Tailored to your occupation and income
Coverage that reflects what you actually earn and what your specific work involves.
Works alongside existing coverage
A review can show how new coverage might complement your life insurance or existing group benefits.
Critical illness pays a lump sum when you're diagnosed with a covered condition; disability insurance replaces a portion of your income over time while you're unable to work. Your advisor can explain both clearly.
Group benefits vary widely and often have limits. A review can help you understand what you have and whether any gaps are worth addressing.
Yes — completely free and with no obligation.
Many Canadians carry both — a licensed advisor will discuss what makes sense based on your situation.
Takes under a minute. No obligation.