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While Life insurance makes a payment to your loved ones when you pass away, Critical Illness insurance makes a one-time, tax-free payment to you if you experience one of the covered conditions. Most companies offer basic and comprehensive plans usually covering around 3 - 31 illnesses depending on the plan you select.

Adding even a small amount of Critical Illness insurance is an important part of looking at your life holistically, and preparing yourself for an unexpected illness. Often these policies can be combined with a Life Insurance policy to save you time answering medical questions, and to save on policy fees.

The payment from a Critical Illness policy can be used to pay for health care costs not covered by provincial medical plans, to pay your day-to-day expenses while you're away from work, or for anything else you want.

When looking for a Critical Illness policy it is important to not just go with the cheapest option, you need to take time to review the covered conditions and the terms of payment. Critical Illness policies have specific criteria you need to meet in order to claim on the policy and it is important to have reviewed these terms before picking a policy.

Thankfully we are here to help you pick and will provide you with a comparison of the 3 policies that we think have the best benefit to premium mix.

Authorized distributor for The Canada Life Assurance Company, Equitable Life Insurance Company, The Manufacturers Life Insurance Company, Pacific Blue Cross, and Desjardins Financial Security Life Assurance Company. Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under license.


Omineca Financial is now Advantage Pacific