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Our Critical Illness Plan solutions help Canadians in British Columbia provide their loved ones with financial stability during a difficult time so they can focus on recovery.

Why our Critical Illness Plan is the best option in British Columbia

Hassle-free application process

Applications can be made online with our expedited application process. There are no face-to-face meetings, and the process to obtain your plan can be completed from the comfort of your home.

No medical exams

We are keeping life insurance simple, as it should be. Never undergo a medical exam to be eligible for coverage.

Coverage for heart attack, cancer and more

We offer complete coverage for a long list of over 20 critical illnesses and conditions.

Protect your loved ones’ way of life

The living benefit of the Critical Illness Plan can help cover day-to-day expenses for your family as you focus on your recovery.

Seamless eligibility

Eligibility starts at age 18 and can go up to 69, allowing more Canadians in British Columbia to access coverage.

Total Protection

The plan offers up to $25,000 in permanent coverage with fixed premiums for life.

30 Day Review Period

You have a 30-day review period to ensure that you are happy with your plan. If you're not satisfied, let us know and get a full refund.

Covered conditions under our Critical Illness Plan
With full coverage for up to 21 severe conditions and partial coverage for three illnesses, our Critical Illness Plan provides British Columbians with comprehensive financial security when faced with a serious illness.
See the full breakdown of our covered conditions now.
  • Alzheimer’s disease
  • Aorta surgery
  • Benign brain tumor
  • Blindness
  • Cancer
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Dismemberment
  • Heart attack
  • Heart valve replacement
  • Loss of speech
  • Major organ failure
  • Major organ transplant
  • Motor neuron disease
  • Multiple sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson’s disease
  • Severe burns
  • Stroke
  • DCIS
  • Early stage prostate cancer
  • Loss of independence

We have helped many Canadians in British Columbia to find the coverage they need. If you want more information about your plan options, please complete our short online application form for a free, no-obligation quote and purchase your coverage.

Find out more about our plan details:

All claims are subject to a 30-day survival period following a diagnosis. Death that occurs during this time will not result in payable benefits.

Benefits will not be paid for insured conditions, child insured conditions or additional benefit conditions caused directly or indirectly, by or contributed to by any of the following:

  • Suicide or any intentionally self-inflicted injury, while sane or insane;
  • Declared or undeclared war, terrorism, riot, insurrection, service in the armed forces of any country or government or international organization;
  • A complication of Human Immunodeficiency Virus (HIV) infection or any variance thereof including AIDS and AIDS related complex;
  • Committing or attempting to commit a criminal offense, or while in prison; or
  • The misuse of medication, the abuse of drugs/intoxicants, or from having a blood alcohol level of 80 milligrams of alcohol in 100 milliliters of blood.

Pre-existing Condition Exclusion

Benefit will not be paid for any pre-existing condition.

Within the first 2 years: an insured condition such as, for example, a heart attack, will not be covered if it was caused by a pre-existing condition such as, for example, hypertension. After 2 years, this exclusion will no longer apply.

90-Day Cancer Exclusion

Benefits will not be paid of any amount for cancer, early-state prostate cancer treatment of DCIS for a period of 90 days from the effective date of the policy or the date of its reinstatement, whichever is sooner.

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