If you’re diagnosed with and survive one of these critical illnesses, you’ll receive a lump sum payment of your coverage amount
■ Cancer
■ Heart attack
■ Stroke
■ Coronary artery
■ bypass surgery
■ Acquired brain injury
■ AlzheimeKs disease
■ Aortic surgery
■ Aplastic anemia
■ Benign brain tumour
■ Bacterial meningitis
■ Blindness
■ Coma
■ Deafness
■ Heart valve replacement
■ Kidney failure
■ Loss of limbs
■ Loss of speech
■ Major organ transplant
■ Major organ failure on waiting list
■ Motor neuron disease
■ Multiple sclerosis
■ Occupational HIV infection
■ Paralysis
■ Parkinson’s disease
■ Severe burns
You can enhance your plan by adding coverage for Loss of independent existence.
If you’re diagnosed with and survive one of these critical illnesses, you’ll receive a partial lump sum payment and your policy will continue for any future claims:
■ Cancer - ductal carcinoma in situ of the breast
■ Cancer - stage A (Tla or Tlb) prostate cancer
■ Cancer - stage 1A malignant melanoma
■ Coronary angioplasty
We’ve all thought about our future and we’ve dreamed about the things we want to accomplish and experience. We also know that life can sometimes take unexpected turns that change our plans.
One of those unexpected turns is being diagnosed with an illness. Fortunately, medical advances mean more of us are surviving serious illnesses than ever before. Because the road to recovery can be stressful and costly, the last thing you’d want to worry about when you’re recovering is your finances.
If you were faced with a serious illness，how might your plans and current lifestyle change? What would you choose to do? These are questions worth asking yourself.
Because your savings should be for your future - not for your medical bills
You do your best to make sure your family has a comfortable lifestyle today, while taking steps to set aside savings for tomorrow.
While being diagnosed with a critical illness like cancer, stroke, or multiple sclerosis could change your lifestyle in many ways, it doesn’t need to change your financial plans. Critical illness insurance can help you manage additional costs if, for example, you need to:
■ take an extended leave from work
■ have a family member take time off to be with you
■ travel to treatment centres
■ pay for medication not covered by another plan
■ purchase medical equipment
You could also use the critical illness insurance benefit to cover all expenses like mortgage payments, contribute to your retirement savings, and continue saving for your child’s education.
Today, you’re empowered with choices
Having a plan in place will help you stay on track to meet your financial goals. With the help of an advisor, you can customize a plan that will:
■ provide money to help fund your recovery if your health changes unexpectedly
■ help you avoid needing to make early withdrawals from your retirement savings to cover additional costs
Thankfully not all of us will be diagnosed with a critical illness. You can also include an option to get back the money you’ve paid in premiums if you dor't need to make a claim.
Simply dial 416-835-8805 for details.
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