"If it hadn't been for your insight I wouldn't have the extra monies to see me through my breast cancer. No one can understand how financial worries can weigh heavily on one's mind when trying to recover from surgery and treatment. Now that I have the insurance money from the 'Critical Care Insurance' I can concentrate all my energy on getting better."
--Lou

Wasn't life insurance enough?

In some ways, 'Critical Illness and Disability Insurance' is the real 'life' insurance. If you die prematurely with a 'Life Insurance' policy, your family gets the money for their continued lives, but if you are injured and unable to work yet still very much alive 'Potential Income Insurance'—a much friendlier term—kicks in.
It's there to help keep you living.

Some nice facts

Luckily, as Canadians our government can help us out when we are at our weakest. We have universal health care, various disability insurance plans, and resources we can pull on when in need.
Some not so nice facts
But, have you ever stopped to analyze just how these plans work? And you thought insurance was complex....
A convoluted world of differing definitions of disability and various pay out levels, unfortunately, the help can be more difficult to obtain and less substantial than you might need should illness strike.

Some really not so nice facts

And, even with all that help, half of all mortgage foreclosures in this country are a direct result of disability or illness. With experimental treatments not covered by provincial health plans and illness related travel expenses, an entire lifetimes worth of savings can be reduced to nothing in six months. And throughout it all you're no longer generating an income to contribute to the costs.

Hope!

That's where 'Critical Illness and Disability Insurance' steps in. It is there to provide you with a guaranteed income should the unthinkable happen. Your savings will remain intact, your families standard of living will be maintained and any expensive procedures not covered by the government will be taken care of.