Critical Illness Insurance

Do not let critical illness destroy your future.
Can be temporary or permanent
Premiums you choose so are flexible
No delay in benefit payout

 Instant, online, in minutes


Protect Yourself Should Life Throw You a Curve Ball

None of us knows what the future holds. We all feel invincible when we are young. But the truth is, heart attacks, strokes, cancer and COPD are all common in North America, as are bypass surgeries that are a serious challenge to recover from.

Critical Illness Insurance can be temporary or permanent. You can choose the length of time you are covered. (Some have access to other sources of income after a certain date, so may not need permanent). Should you get sick during that time period, or have a heart attack, or experience any other of the dozens of critical illnesses that qualify, you receive a lump sum amount.

The amount you choose will be reflected in your premiums. This is not income replacement, it’s a one-time, large sum. You can cancel any time, but you wouldn’t get your premiums back. That said, if you choose a temporary plan and you reach your end date without illness, you get your money back.

You can use your funds however you wish. You may need private nursing or modifications to your home or vehicle, as none of these expenses are covered under provincial health care plans.

Should you get ill, you can also face other challenges. You will have to research how to find the best medical care and perhaps pay for consults, which can be pricey. You can help pay for daily expenses such as child care or therapy that helps with stress.

One in three Canadians will develop a life-threatening cancer (1).
One in two heart attack victims are under 65 years old (2).
Each year, 50,000 Canadians suffer a stroke. Of all stroke victims, 75% will be left with a disability (2).
Never worry about critical illness again
With a policy like this, you won’t have to, and you can use the money however you want.
Maintain your independence
Protect yourself from having to spend your golden years in a nursing home, dependent on people who do not care about you or know the first thing about you.
Access out of reach medical services
You may want to fly out of country to get a groundbreaking surgery, pay for medication not covered by a provincial health care plan, or try an experimental, costly new treatment. This plan will give you that.
A Living Benefit
Some critical illnesses are not permanent. You can recover from a stroke, for example. Give yourself the best possible shot at life and recovery should you become unexpectedly ill.

What’s more, with critical illness insurance from Insurance Optimal. Insurance, you may not have to go into debt or withdraw money from your retirement savings to remain financially stable and independent during your recovery.

Talk to us
We can explain how it works and what your options are. Make sure you are never in a vulnerable position that could hurt your family and add to your suffering, should you become critically ill.
Simplified Life Insurance that Works
Life Insurance should free you to live your life. We offer numerous conveniences:
Initiate your application in the comfort of your home
Online support when you require it
We help you sift through the jargon
No delay in coverage beginning
Insurance at affordable rates
Not sure what insurance you need? We can help.
Willing to answer a few questions?
Talk to us about options and a quote
Begin coverage immediately or save for later
 100% no obligation to accept.

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