Life Insurance

Critical Illness Coverage

Unfortunately, the truth is that critical illness can affect anyone, at any time. That’s why critical illness insurance is one of the most important types of protection you can provide for you and your loved ones. In the event of the unexpected, critical illness insurance lets you focus on your health rather than the financial burden that can accompany difficult times.



Critical illness policies list the illnesses that are covered by that policy. The policy also includes the terms and conditions that must be met in order to receive a critical illness insurance benefit.

These are some illnesses that are typically covered:

Alzheimer’s Bacterial meningitis Benign brain tumor Cancer (life-threatening) Coma
Heart attack Kidney failure Loss of limbs Organ transplant Multiple sclerosis
 Occupational HIV Paralysis Parkinson’s disease Severe burns Stroke

Illnesses not specifically mentioned in your policy and illnesses that do not meet the stated criteria are not covered. 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.

Coverage for children

No parent wants to imagine their child developing a serious illness. However, there is critical illness protection available for children as well. Our advisors do recommend that you consider critical illness protection for your family.