- The policy pays a death benefit to your estate, providing funds for children or dependents
- Insurance stays with you
- You can adjust your coverage over time to fit your needs
- Term or permanent
- Premiums guaranteed with a term
- Underwritten before your policy is issued
- Get advice whenever you need from the team at Brio Insurance
- Coverage is for the balance of your mortgage and paid to the broker
- If you move, your coverage ends and you need to re-qualify
- Your coverage decreases as you pay off your mortgage
- Decreasing term
- Carriers can change premiums anytime
- Underwritten when you make a claim
- Coverage is joint for spouses
- Organ transplant
- Bacterial meningitis
- Multiple sclerosis
- Benign brain tumour
- Occupational HIV
- Cancer (life-threatening)
- Parkinson’s disease
- Heart attack
- Severe burns
- Kidney failure
- Loss of limbs
All illnesses must meet the description in the policy in order to be covered. That’s why it’s important to understand exactly what your policy does and does not cover. If you’re considering purchasing critical illness insurance, we recommend buying early as premiums go up with age. With a 20 or 30-year term, you can protect yourself against rapidly rising rates.
What if you couldn’t work tomorrow? How would you afford your way of life if your income stopped? Is disability insurance part of your plan?
On average, 1 out of every 3 people won’t be able to work due to a disability at least once before age 65. Disability isn’t only a risk for people working manual labour jobs – from mental health disorders to accidents on ski trips – disability can happen from a lot of completely normal (and usually safe) activities! Disability insurance can help you afford your lifestyle if you’re unable to work for some time.
You protect your phone, your car, your house… so why not your life? Fill in a quote request with details and one of our insurance experts will be in touch shortly.