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Critical illnesses can leave you out of work and struggling to remain financially stable. We’ve seen many Canadians in New Brunswick go without coverage when they needed it most because of the restrictions of traditional plans. That's why we created a Critical Illness Plan that allows you to protect the financial future of your loved ones and keep their daily lives safeguarded without the need for medical exams.

Our Critical Illness Plan comes with a range of benefits, including:

Easy application process

Forget about those endless time-consuming requirements to get coverage. No paperwork or face-to-face meetings are required to get the plan.

A living benefit

Our Critical Illness Plan provides up to $25,000 in tax-free living benefits to help keep your family’s day-to-day lives secure as you focus on recovery.

Over 20 conditions covered

Receive a full living benefit for several debilitating conditions, including cancer, heart attack, and stroke.

30-day review period

You have 30 days from the day you receive the policy to see if it works for you. If you are unsatisfied with the plan, let us know and get a full refund.

Total Protection

You get a flexible and completely customized plan that pays for multiple critical conditions and offers additional benefits, such as our second event benefit.

No medical tests

We've created a hassle-free life insurance option with no medical exams, no long wait times, and a quick application process.

Our complete list of covered conditions
The Critical Illness Plan offers residents of New Brunswick with full coverage for 21 serious illnesses, and provides partial coverage for three other debilitating conditions.
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

Our Critical Illness plan guarantees coverage regardless of your health condition. Additionally, we do not require you to complete a mountain of paperwork or have in-person meetings with agents. The entire application process can be carried out from the comfort of your home. If you want to know more about our plan, which has helped many Canadians in New Brunswick, you can get your free no-obligation quote now and discover your plan options using our short online application.

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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