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Unit 108 B - 2635, 37 Ave NE,
Calgary, AB, T1Y 5Z6
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Critical Illness Insurance
Financial Protection
Critical Illness Insurance
If a serious illness strikes, the last thing you should worry about is money. Critical illness insurance pays you a tax-free lump sum so you can focus on recovery, not bills.
The Basics
What is critical illness insurance?
Critical illness insurance pays a one-time, tax-free cash benefit if you are diagnosed with one of the serious conditions covered by your policy — such as cancer, a heart attack, or a stroke. Unlike coverage that reimburses specific medical bills, this money is yours to use however you need.
A major diagnosis often brings costs that provincial health care does not cover: time off work, travel for treatment, home care, or simply keeping up with the mortgage while you heal.
Coverage
Conditions commonly covered
Cancer (life-threatening)
One of the most frequently claimed conditions on critical illness policies.
Heart attack & stroke
Major cardiovascular events that often require extended recovery.
Major organ failure
Conditions such as kidney failure or the need for a major organ transplant.
Coronary bypass surgery
Coverage for serious heart procedures, subject to policy terms.
Multiple sclerosis & paralysis
Serious neurological conditions included on many plans.
And more
Comprehensive plans can cover 20+ conditions. We will review the exact list with you.
Covered conditions, definitions, and survival periods vary by insurer and plan. Always review your policy wording.
Your Money, Your Choice
How you can use the benefit
- Replace lost income while you or a caregiver take time off work
- Pay for treatments or medications not covered by your provincial plan
- Cover travel and accommodation to reach specialist care
- Keep up with your mortgage, rent, and everyday bills
- Hire help at home during recovery
- Reduce debt so you can focus on getting better
Why Families Choose Us
Local Calgary advice you can trust
10+ years of experience
An independent, licensed brokerage that has served Canadian families for over a decade.
3,000+ satisfied clients
Thousands of families have trusted us to protect what matters most to them.
Advice in your language
No jargon, no pressure — clear guidance in the language you are most comfortable with.
FAQs
Frequently asked questions
Who should consider critical illness insurance?
Anyone who relies on their income and would face financial strain during a long recovery — especially those with a mortgage, young families, or self-employed individuals without sick-leave benefits.
Is the payout really tax-free?
In most cases the lump-sum benefit is paid tax-free. We recommend confirming your specific situation, but this is one of the key advantages of critical illness coverage.
Can I have this alongside life insurance?
Yes. Critical illness insurance complements life insurance — it pays out while you are living and recovering, whereas life insurance protects your family after you pass.
What if I never make a claim?
Some plans offer a return-of-premium option, which can refund some or all of your premiums if you never claim. Ask us whether this fits your budget and goals.
Protect your income before you need to
Get a free critical illness insurance quote today and find a plan that fits your family and your budget.
Unit 108 B – 2635, 37 Ave NE, Calgary, AB, T1Y 5Z6 • Mon–Sat 9:30am–6:30pm