Critical Illness protection

Many peoples believe they aren’t at risk when it comes to suffering from a serious illness. Consider these recent statistics;

• 1 in 2 men and 1 in 3 women will develop heart disease in their lifetime. *
• Between 40,000 and 50,000 strokes are reported in Canada each year. *
• During their lifetime, 1 in 2.3 men and 1 in 2.6 women living in Canada will develop cancer. **

 It could happen to you…
Good news…

• Survival rates for most major cancer are increasing
• Over 80% of hospitalized heart attack patients survive. 
• There are about 300,000 stroke survivors in Canada.

With today’s advances in medical science,
your chances of survival are greater than ever…

But will your finances survive?

Unanticipated cost of an unwelcome surprise

While fears about the emotional and physical impact of a critical illness such as cancer on our lives exist, many peoples are unconscious about the daunting financial burden brought on by these illnesses. 

You may perceive that the provincial health care plan will cover all your needs should an illness strike. However, there are many additional costs associated with a critical illness. Examples include taking time off work for timely non-insured medical treatment, home care nurse, child care provider and equipment such as wheelchairs and home care beds.

Additional expenses and taking time off during a treatment may leave a significant gap in your financial plan.  You may have to use life savings to cover these unanticipated costs.  

Plan for the unplanned – Insurance for living with 100% money back

A critical illness contract pays you a lump-sum in the event that you survive a critical illness.  The benefit is payable after a 30 days survival period and can be entirely used at your discretion.

This benefit can be paid
corporate dollars…

The new critical illness contract offers coverage for 3 majors critical conditions:

  - Heart Attack
  - Life-Threatening Cancer
  - Stroke

You also have the option to add coverage for the following 19 critical conditions:

1. Alzheimer's Disease
2. Aortic Surgery
3. Benign Brain Tumor
4. Blindness
5. Coma
6. Coronary Artery Bypass
7. Deafness
8. Heart Valve Replacement
9. Kidney Failure
10. Loss of Independent Existence
11. Loss of Limbs
12. Loss of Speech
13. Major Organ Transplant
14. Motor Neuron Disease
15. Multiple Sclerosis
16. Occupational HIV Infection
17. Paralysis
18. Parkinson's Disease
19. Severe Burn

Sources : *Heart & Stroke Foundation, 2004
**National Cancer Institute of Canada : Canadian Cancer Statistics 2004

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