Critical Illness Insurance

Protect Your Health and Finances

A serious illness can disrupt your life—but it shouldn’t derail your financial stability. Critical Illness (CI) Insurance provides a lump-sum, tax-free payment if you're diagnosed with a covered condition, helping you focus on recovery without financial stress.

Term Critical Illness

A budget-friendly option that covers major conditions like heart attack, cancer, and stroke, with the flexibility to choose basic or comprehensive coverage. Some policies even include convertible options—allowing you to upgrade to permanent coverage without additional medical underwriting. Child-specific policies are also available, covering conditions like autism, type 1 diabetes, and cystic fibrosis.

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Permanent Critical Illness

Provides lifelong protection with locked-in premiums, offering stability and peace of mind. Unlike term CI, where rates increase at renewal, permanent CI keeps premiums constant. Some plans also include a Return of Premium (ROP) option, allowing you to receive back most or all of your paid premiums if no claims are made.

Not sure how much coverage you need? Let’s chat.

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Lean On The Experts

You don’t have to do it alone. Our team of experts is waiting to help you.

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