Life insurance is for them. This one’s for you.
Critical illness cover pays a tax-free lump sum if you’re diagnosed with a covered condition — money to focus on getting better instead of the bills, while you’re very much still here.
The payout covered the mortgage while I took six months off to recover. I didn’t have to think about money once.
critical illness in their life
A lump sum, three simple steps.
You’re diagnosed
With one of the covered conditions in your policy — and you survive the short waiting period.
You claim
Your advisor helps you file. There’s no requirement to prove how you’ll spend it.
You’re paid
A single tax-free lump sum lands — to cover income, treatment, the mortgage, or time off. Your call.
The big conditions
Most policies center on the three that account for the majority of claims — with many covering 20+ conditions in total.
Two different jobs — often held together.
They answer different questions, which is why many people carry both.
Protects the people you leave behind
Pays your family a tax-free amount if you pass away — replacing income and clearing debts so their life can continue.
Protects you while you’re recovering
Pays you a tax-free lump sum on diagnosis — so a serious illness doesn’t become a financial crisis on top of a health one.
An advisor will tell you straight.
Critical illness isn’t right for everyone. A licensed advisor will look at your situation, your existing coverage, and your savings — and say plainly whether it earns its place.
- Independent across 21 carriers
- Same price as going direct
- Tells you if you don’t need it