Facing a critical illness affects more than just you. When diagnosed with a condition like cancer, you could be left without the income that you and your loved ones rely on each day. You need to focus on your recovery without worrying about finances, so you can be there for the people who matter most to you. That is why we’ve created a stress-free, simple, and affordable Critical Illness Plan that allows Canadians across Newfoundland and Labrador to get the coverage they need if faced with a severe illness or condition.

Our Critical Illness Plan and its benefits


We only ask our applicants to meet two simple criteria: be a Newfoundland and Labrador resident and be between the ages of 18 to 69.

Zero medical exams

There are zero medical exam requirements when you apply – meaning no invasive and lengthy tests just to see if you qualify for coverage.

Coverage for over 20 conditions

We cover multiple critical illnesses, including heart attack, cancer, and stroke.

Financial Protection

Get financial peace of mind knowing your living benefit with our critical illness plan will protect your income as you recover.

Try it out with no obligation

If you are not completely satisfied with your plan, simply return your policy to us within 30 days of the issue date and get a full refund.

Tax-free benefits

Get up to $25,000 in guaranteed tax-free benefits without the need for medical exams.

Quick and simple application

There are no mountains of paperwork to complete or face-to-face meetings to schedule. You can get a quote and see your plan options, and purchase coverage right from the site.

Covered conditions
Our Critical Illness Plan offers residents of Newfoundland and Labrador with comprehensive coverage for a wide range of illnesses.
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

To learn more about your plan options, receive free no-obligation quotes, and purchase your coverage, please use our simplified and short online application now. You will never have to meet with an agent, complete any paperwork, or undergo a medical exam when you apply.

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.