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CRITICAL ILLNESS INSURANCE

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CRITICAL ILLNESS INSURANCE
CRITICAL ILLNESS INSURANCE

This coverage pays a lump sum, 30 days after the diagnosis, that can cover your medical expenses, mortgage payments, unpaid leave, a caregiver, your long-term care, etc., to focus on your complete recovery. Every human can have a serious illness. According to the most recent statistics: 

 

49% of men and 45% of women will be diagnosed with cancer during their lifetime *

9 out of 10 Canadians live with at least one risk factor for heart disease or stroke **

 

*Canadian Cancer Statistics publication, 2017
**Heart and Stroke Foundation, 2017

Today, thanks to advances in medicine, the chances of surviving such diseases are better than ever, but in the event of a heart attack, cancer, stroke or other dreaded health problem, amount paid is non-taxable whether or not you are able to work.

 

The insurance we offer covers  CANCER and 5 to 25 additional health problems for adults and 37 for children. Do not let the money hurt your recovery. This financial cushion allows you to reduce your stress during your treatments and, thus, to focus entirely on your recovery. You can use this amount, as you wish, for example:

  • Get medical care faster in private or in another country or health services, including psychological counseling, physiotherapy and occupational therapy

  • Compensate for the shortfall between your disability insurance coverage and your regular income

  • Cover the loss of income of your spouse or a loved one who will be absent to be at your side

  • Protect your savings and your standard of living

  • Have the ability to pay for additional expenses such as transportation to the hospital, parking, house maintenance, home adaptations, raising the hospital room, child care, etc.

There are several types of critical illness insurance (or dreaded health problems):

INSURANCE

SERIOUS ILLNESS:

TEMPORARY CRITICAL ILLNESS INSURANCE
PERMANENT CRITICAL ILLNESS INSURANCE
CRITICAL ILLNESS INSURANCE FOR CHILDREN
 
 
 

TEMPORARY CRITICAL ILLNESS INSURANCE

PERMANENT CRITICAL ILLNESS INSURANCE

CRITICAL ILLNESS INSURANCE FOR CHILDREN

Temporary critical illness insurance provides protection that is limited in time, in the event of a diagnosis of any of the covered health problems.  

You can purchase temporary critical illness insurance for a fixed period of 10 years, 20 years or until the age of 65, 75 or 90 years. Before the age of 65, you will be able to renew the contract without medical examinations or convert all or part of it into permanent critical illness insurance.

 

Generally, temporary protections, those that last 10 or 20 years are useful to protect the standard of living of a family. Protections that protect your finances up to age 65, 75 or 90 are useful for protecting your family, your retirement savings and even your retirement income, all at the same time. Some options can be added to most contracts, for example you can add:

 

  • a refund of premiums at death

  • a refund of premiums upon termination

Permanent Critical Illness Insurance provides a coverage that meets your long-term financial security needs and will support you throughout your life if you are diagnosed with a health problem that is covered.

  

You may decide to pay the fixed premiums for a period of 10 years, 20 years or until the age of 100 years.

 

The amount of insurance or capital is also guaranteed. This protection is useful for simultaneously protecting your family and your retirement savings.

 

You have the choice to add an additional option that refunds loved ones for all the premiums you paid upon death

Although children are unlikely to suffer from a dreaded disease or health problem, there are too many of them in the hospitals. It goes without saying that parents are committed to the full recovery of their child, with financial consequences such as significant income losses, expensive drugs not covered by the public health system, catch-up school, etc.

 

 

The premium refund option, unlike the one available with most contracts, does not require the cancellation of the contract, so you can think about it in terms of reducing the premium over time, to fund a special trip with the whole family, to fund your child’s education, to invest more in an RESP, etc.

• COMMENT CHOISIR UN CONTRAT ASSURANCE MALADIE GRAVE? / HOW TO CHOOSE A CRITICAL ILLNESS INSURANCE CONTRACT?


Considérant la forte présence des problèmes de santé qui sont couverts, en particulier le cancer dans notre société, il faut idéalement être protéger contre les risques qui sont les plus plausibles d’être diagnostiqués.

Personne n’est à l’abri d’un cancer. Pour accepter cette réalité il faut prendre des contremesures. Même ceux qui seront épargnés d’un tel diagnostic connaitront probablement un membre de la famille, un collègue ou un(e) ami(e) qui n’aura pas la même chance et qui aura besoin d’accompagnement à la fois physique, moral et affectif pour passer au travers de cette épreuve.

Nous encourageons tous les Québécois(e) d’avoir une assurance cancer. Soyez soucieux du montant de la couverture, car le montant pourrait être insuffisant. Notre conseiller vous fournira une analyse de vos besoins financiers qui validera, avec précision, le montant de la prestation qui sera nécessaire pour vous concentrer uniquement sur votre rétablissement.

/(English)

Considering the strong presence of the health problems that are covered, especially cancer in our society, it is best to be protected from the risks that are the most plausible to be diagnosed.

Nobody is immune to cancer. To accept this reality we must take countermeasures. Even those who will be spared from such a diagnosis will probably know a family member, colleague or friend who will not have the same luck and who will need physical, moral and emotional support to have the necessary resolve to go through with it.

We encourage all Quebeckers to own a cancer insurance contract. Be aware of the amount of coverage, as the amount may be insufficient. Our advisor will provide you with an analysis of your financial needs that will accurately validate the amount of coverage that will be needed to focus solely on your recovery.




• COMMENT TROUVER LE MEILLEUR PRIX POUR ASSURANCE MALADIE GRAVE? / HOW TO FIND THE BEST PRICE FOR SERIOUS ILLNESS INSURANCE?


Pour répondre honnêtement à cette question, il faut comprendre que le prix d’une assurance ne se détermine pas simplement avec une calculatrice, ni un logiciel de courtier, ni même des soumissions, car il reflète comment la compagnie d’assurance évalue le risque financier qu’une personne de votre âge, de votre sexe, qui a votre historique de santé, vos habitudes de vie et même vos loisirs représente pour elle. Donc, c’est seulement une fois que l’assureur se penche sur l’étude complète de votre demande d’assurance qu’il viendra à conclure un prix ou une prime dans le jargon de l’assurance.

Si vous suivez les étapes suivantes avec le conseiller d’«Assurance En Ligne», vous obtiendrez ce que vous cherchez:

  • un service exceptionnel
  • un contrat de qualité
  • un prix compétitif et abordable

Les étapes :

  1. Profitez de la plateforme d’ Assurance En Ligne, car notre conseiller utilise des logiciels qui génèrent des primes très compétitives, alors vous pouvez magasiner la qualité du service et la rapidité de l’acceptation de votre demande d’assurance, en plus du prix;
  2. Obtenez une analyse complète de vos besoins financiers en cas de décès, d’invalidité et de maladies graves pour déterminer le(s) types d’assurances et le capital de protection nécessaire;
  3. Découvrez le bon type d’assurance (pertinence, type, durée et prix) grâce à l’analyse;
  4. Notre conseiller dirigera votre demande d’assurance vers la compagnie d’assurance qui est la plus susceptible d’accepter votre profil de santé et le capital de protection que vous demandez (pour éviter les refus qui sont notés de façon permanente au MIB);

/(English)

To answer this question honestly, it is important to understand that the price of an insurance is not determined simply by a calculator, a broker’s software, or even an estimate, because it reflects how the insurance company assesses the financial risk that a person of your age, your gender, who has your health history, your lifestyle and even your leisure activities represents for it. So, it is only once an insurer studies your complete insurance application that it will come up with a definitive price or premium.

If you take the following steps with an "Online Insurance" advisor, you will get what you are looking for:

  • exceptional service,
  • a quality contract,
  • a competitive and affordable premium.

Steps:

  1. Take advantage of the "Online Insurance" platform, because our advisors use software that generates very competitive premiums, so you can shop the quality of service and the speed of acceptance of your insurance application, in addition to the price;
  2. Get a complete analysis of your financial needs in the event of death, disability and critical illness to determine the type(s) of insurance and the required coverage;
  3. Discover the right type of insurance (relevance, type, duration and price) thanks to the analysis;
  4. Our advisor will direct your insurance application to the insurance company that is most likely to accept your health profile and the protective capital you requested (to help avoid denials that are permanently noted at the MIB).




• COMMENT OBTENIR UNE ASSURANCE MALADIE GRAVE APRÈS UN REFUS? / HOW TO GET SEVERE HEALTH INSURANCE AFTER REFUSAL?


La solution est simple... il faut souscrire une Assurance Maladie Grave qui est émise Sans vous faire subir un Examen Médical. / (English) The solution is simple ... you have to take out a Critical Health Insurance that is issued without a Medical Examination.





 
CRITICAL ILLNESS INSURANCE CORPORATE
CRITICAL ILLNESS INSURANCE FOR A CORPORATION

For the shareholders! 

If you want to shelter your business from the impact of your absence resulting from a sudden health problem such as a heart attack or a disease such as cancer … there is an insurance concept that you may hold in co-ownership with your company and that offers you and your company a financial protection against the disastrous consequences of 26 critical illnesses (it also includes long-term care).

 

The idea is to let you concentrate on your recovery, without fear of losing your business. In the event of diagnosis of one of the covered critical illnesses, your business will receive a lump-sum payment to:

  • Quickly hire a qualified person to replace you during your long absence

  • Repay debts and reduce your financial obligations

  • Protect the value of your business and retain your employees

  • Stay in control of your interests 

  • Protect your assets

So, if you are suffering from a serious illness or if you die, your company will receive the applicable benefit (the projected protection capital or coverage), if you are healthy until the end of the contract, you will be able to claim the health benefit, which corresponds to a 100% refund of the premiums, paid by your company and yourself, over the years!

Whatever happens, you become ill or stay healthy, you or your company will receive a substantial sum. This means that you share not only the cost of your insurance with your company, but also the tax advantages.

• COMMENT CHOISIR UN CONTRAT ASSURANCE MALADIE GRAVE? / HOW TO CHOOSE A CRITICAL ILLNESS INSURANCE CONTRACT?


Considérant la forte présence des problèmes de santé qui sont couverts, en particulier le cancer dans notre société, il faut idéalement être protéger contre les risques qui sont les plus plausibles d’être diagnostiqués.

Personne n’est à l’abri d’un cancer. Pour accepter cette réalité il faut prendre des contremesures. Même ceux qui seront épargnés d’un tel diagnostic connaitront probablement un membre de la famille, un collègue ou un(e) ami(e) qui n’aura pas la même chance et qui aura besoin d’accompagnement à la fois physique, moral et affectif pour passer au travers de cette épreuve.

Nous encourageons tous les Québécois(e) d’avoir une assurance cancer. Soyez soucieux du montant de la couverture, car le montant pourrait être insuffisant. Notre conseiller vous fournira une analyse de vos besoins financiers qui validera, avec précision, le montant de la prestation qui sera nécessaire pour vous concentrer uniquement sur votre rétablissement.

/(English)

Considering the strong presence of the health problems that are covered, especially cancer in our society, it is best to be protected from the risks that are the most plausible to be diagnosed.

Nobody is immune to cancer. To accept this reality we must take countermeasures. Even those who will be spared from such a diagnosis will probably know a family member, colleague or friend who will not have the same luck and who will need physical, moral and emotional support to have the necessary resolve to go through with it.

We encourage all Quebeckers to own a cancer insurance contract. Be aware of the amount of coverage, as the amount may be insufficient. Our advisor will provide you with an analysis of your financial needs that will accurately validate the amount of coverage that will be needed to focus solely on your recovery.




• COMMENT TROUVER LE MEILLEUR PRIX POUR ASSURANCE MALADIE GRAVE? / HOW TO FIND THE BEST PRICE FOR SERIOUS ILLNESS INSURANCE?


Pour répondre honnêtement à cette question, il faut comprendre que le prix d’une assurance ne se détermine pas simplement avec une calculatrice, ni un logiciel de courtier, ni même des soumissions, car il reflète comment la compagnie d’assurance évalue le risque financier qu’une personne de votre âge, de votre sexe, qui a votre historique de santé, vos habitudes de vie et même vos loisirs représente pour elle. Donc, c’est seulement une fois que l’assureur se penche sur l’étude complète de votre demande d’assurance qu’il viendra à conclure un prix ou une prime dans le jargon de l’assurance.

Si vous suivez les étapes suivantes avec le conseiller d’«Assurance En Ligne», vous obtiendrez ce que vous cherchez:

  • un service exceptionnel
  • un contrat de qualité
  • un prix compétitif et abordable

Les étapes :

  1. Profitez de la plateforme d’ Assurance En Ligne, car notre conseiller utilise des logiciels qui génèrent des primes très compétitives, alors vous pouvez magasiner la qualité du service et la rapidité de l’acceptation de votre demande d’assurance, en plus du prix;
  2. Obtenez une analyse complète de vos besoins financiers en cas de décès, d’invalidité et de maladies graves pour déterminer le(s) types d’assurances et le capital de protection nécessaire;
  3. Découvrez le bon type d’assurance (pertinence, type, durée et prix) grâce à l’analyse;
  4. Notre conseiller dirigera votre demande d’assurance vers la compagnie d’assurance qui est la plus susceptible d’accepter votre profil de santé et le capital de protection que vous demandez (pour éviter les refus qui sont notés de façon permanente au MIB);

/(English)

To answer this question honestly, it is important to understand that the price of an insurance is not determined simply by a calculator, a broker’s software, or even an estimate, because it reflects how the insurance company assesses the financial risk that a person of your age, your gender, who has your health history, your lifestyle and even your leisure activities represents for it. So, it is only once an insurer studies your complete insurance application that it will come up with a definitive price or premium.

If you take the following steps with an "Online Insurance" advisor, you will get what you are looking for:

  • exceptional service,
  • a quality contract,
  • a competitive and affordable premium.

Steps:

  1. Take advantage of the "Online Insurance" platform, because our advisors use software that generates very competitive premiums, so you can shop the quality of service and the speed of acceptance of your insurance application, in addition to the price;
  2. Get a complete analysis of your financial needs in the event of death, disability and critical illness to determine the type(s) of insurance and the required coverage;
  3. Discover the right type of insurance (relevance, type, duration and price) thanks to the analysis;
  4. Our advisor will direct your insurance application to the insurance company that is most likely to accept your health profile and the protective capital you requested (to help avoid denials that are permanently noted at the MIB).




• COMMENT OBTENIR UNE ASSURANCE MALADIE GRAVE APRÈS UN REFUS? / HOW TO GET SEVERE HEALTH INSURANCE AFTER REFUSAL?


La solution est simple... il faut souscrire une Assurance Maladie Grave qui est émise Sans vous faire subir un Examen Médical. / (English) The solution is simple ... you have to take out a Critical Health Insurance that is issued without a Medical Examination.





CRITICAL ILLNESS INSURANCE

ONLINE INSURANCE IS HERE TO GUIDE YOU IN CASE OF DOUBT!
NO WORRIES ! JUST PEACE OF MIND !