“And in the end, it’s not the years in your life that count. It’s the life in your years”- Abraham Lincoln

Critical Illness

Getting sick isn’t something any of us like to think about. But it can happen. Treating and coping with illness can mean significant and often unexpected costs—costs that may not be covered by provincial or employee health plans. With critical illness insurance you can:

  • Find the best health care available
  • Hire a nurse or caregiver to help you at home
  • Make mortgage payments
  • Provide income when you can’t work
  • Protect your retirement plans
  • Make sure your business survives
  • Reduce your workload to help you recover


Most importantly, critical illness is about peace of mind and recovery. It will let you focus on what really matters….getting better!

Income Protection

The disappearance of steady income can pose daunting problems for YOU, YOUR FAMILY and YOUR BUSINESS, both in the short term and long term.

  • Do you own personal coverage? Are you confident you have adequate coverage for yourself, your family or your business in case of pre-mature death?
  • Do you know someone who has been diagnosed with cancer, heart attack or stroke? Did they plan on it? Was there emotional or financial strain on their household or business?
  • Do you have disability insurance of any kind? When do the benefits begin after a disability? What is the maximum monthly benefit payable to you and how long would you be eligible?

Disability Insurance

Did you know that one in three people, on average, will be disabled for 90 days or more at least once before they reach age 65? You may have never asked yourself the following questions, but it may be worth exploring if you consider that one of your most valuable assets could be serious impacted if you were to become disabled:

  • When do you expect to retire?
  • How long could you maintain your current standard of living on saving alone?
  • To what degree do your children, spouse or parents depend on you financially?
  • How much income do you think the government will provide if you become disabled?
  • How much money do you think you could borrow if you become disable?

Long-Term Care

In fact, long-term care insurance provides a monthly benefit if you become functionally dependent and satisfy a waiting period. Functional dependence means that you require substantial assistance with two of six activities of daily living:

  • Bathing
  • Eating
  • Dressing
  • Toileting
  • Transferring
  • Maintaining Continence

If you have any concerns regarding the topics mentioned above, contact us now for a FREE and NO OBLIGATION consultation to evaluate your unique situation.