Good health can provide a solid foundation for the future. But if you were diagnosed with a critical illness, would you have the resources to maintain your current standard of living? A critical illness could dramatically alter your quality of life, your plans for the future, and your financial well-being.
Watch this short documentary about Dr. Marius Barnard, inventor of Critical Illeness Insurance:
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Don’t put your financial security at risk!
Speak with a representative today to find out about the various options available for protecting your assets. An insurance coverage offers you benefits during your lifetime that will help you overcome the illness and deal with the financial consequences.
Critical illness insurance main features:
- Critical illness insurance* provides for a lump-sum payment, while the insured person is still alive, following diagnosis of any of the critical illnesses specified in the contract.
- Coverage from $25,000 to $2000,000 with 3 illnesses up to 31 illnesses.
- The following are the most commonly covered critical illnesses and surgical procedures: Heart attacks, strokes, heart surgery, cancer, kidney failure, organ transplants, paralysis, multiple sclerosis, blindness, deafness, coma, Parkinson's disease, and Alzheimer's disease.
- If no benefits have been paid or if the death is due to another cause, premiums may be refunded upon contract maturity.
- Critical illness insurance may be sold on its own or combined with other types of life and health insurance, or sold as part of a product that combines a lump-sum payment in the event of a critical illness with the payment of a sum upon death. In this case, the amount of the benefit paid upon diagnosis of the critical illness is deducted from the sum paid upon death, as the case may be.
Critical illness insurance coverage and the many advantages it offers:
- Critical illness insurance enables insured persons to enjoy insurance benefits during their lifetime.
- Insured persons are free to use the lump-sum payment as they see fit.
- This kind of coverage helps insured persons maintain a certain quality of life by providing them the means to meet the many needs associated with critical illness, notably drop in income due to reduced working capacity:
- Early retirement
- Specialized medical care
- Childcare
- Company management replacement
- Vacation time to recover
- Home refitting
- And other benefits and services
