critical-illness-insurance

What is Critical Illness Insurance?

Critical Illness Insurance is coverage which pays out a lump sum benefit if someone is diagnosed with one of several Covered Conditions. Most insurance companies offer coverage for about 20 to 25 different Covered Conditions. Some examples of a Covered Condition would include such things as heart attack, cancer, stroke and by-pass surgery.

How does Critical Illness Insurance protect me?

Assuming the person survives for at least 30 days after being diagnosed, the plan would pay out the amount for which they were insured.

When should I purchase Critical Illness Insurance?

The average age at which a person usually gets a critical illness is 41, regardless of whether they are male or female. Therefore, it’s preferable to purchase this type of insurance when you are younger.

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What our Clients say

Mary Fraizinger

Chief Financial Officer, GARDINER ROBERTS LLP, Toronto, ON

After you interviewed about 50% of our lawyers you reported that only a small portion of those individuals had any insurance in force.

Fred Ernst

Barristers and Solicitors, BEGLAUBTER, GREENBERG & ERNST, Toronto, ON

To be candid, I had never been impressed with insurance salesmen. What struck me as being different with you is your professionalism. The difference came through your sincerity, commitment, follow-through procedures and knowledge. We looked upon you as an advisor rather than a “salesman.” We appreciate your creative solutions to our various problems and concerns.

Ronald J. Preyra

Managing Partner, Bergmanis, Preyra, LLP, Toronto, ON

I know that he is both knowledgeable and trustworthy. He is and will continue to be our best resource for all our insurance needs and I would recommend him unreservedly.

Mary Fraizinger

Chief Financial Officer, GARDINER ROBERTS LLP, Toronto, ON

You saved us more than 20% of the original premiums. You were able to take those savings and create a plan with extra benefits. Our employees are very happy with the improvement to their benefits.

Jennifer Doherty

COO JC Clark, Toronto, ON

Gary, you have been taking care of our benefits program for 10 years. We appreciate your advice and high-quality service. For our current renewal, you negotiated a premium savings of 20%. Thank you.

Lisa Cernivivo

Director of Operations & HR, The Marquee Group, Toronto, ON

Throughout the various stages of benefit selections, Gary provided us with many options and helped guide us through the decision-making process

David Share

Lawyer, DAVID SHARE ASSOCIATES, Toronto, ON

With respect to life insurance, we are happy with the program. In addition, we are delighted that we have the ability to accumulate tax-sheltered funds if we wish to contribute over the basic cost of our life insurance. Our accountant felt that this made a lot of sense.

Mary Fraizinger

Chief Financial Officer, GARDINER ROBERTS LLP, Toronto, ON

The service that we have received from you and your firm has been exemplary and I feel confident that we can expect similar service in the future.