Critical Illness Insurance
Did you know?
Critical Illness insurance concept was inspired by Dr. Marius Barnard, the famed heart surgeon. Watch this moving video, Critical Illness explained. https://www.youtube.com/watch?v=BbGU1CBZsCg
Critical Illness offers ROP (Return of capital for premiums paid) if you never have a claim. Many clients protect their Wealth Management strategies with this type of insurance, as RRSP’s when redeemed come with unintended tax consequences, and furthermore robs one of their retirement savings. Critical illness and disability account for 48% of all mortgage foreclosures. (US Housing and Home Finance Agency). Many Canadians will tap into their life savings when faced with a diagnosis.
How it works
If diagnosed with one of twenty five life threatening illnesses or conditions named in your policy, your critical illness insurance policy will pay a tax-free lump sum amount for you to use in any way you wish. Depending on the coverage you choose, it can cover a range of critical illnesses, such as Cancer, Multiple Sclerosis, Heart Disease, Stroke, or Alzheimer’s, to name a few. Critical illness insurance can help to pay for things like private treatment, household help, extra mortgage payments, business expenses, or a family vacation.
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