Specialty Life Insurance

Critical Illness Plan

Instant coverage when you
need it most - now online

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Key Benefits of our Plan:

Coverage for 24 serious conditions

No one plans to get sick, but what is your plan if you do?
Our Critical Illness Plan will provide a lump sum if you are diagnosed with a covered critical illness, including cancer, heart attack and stroke.

Instant approval up to $50,000 – no medical exam

There are no obstacles between you and the protection you need. In fact, your health has no effect on your rates or eligibility for this plan.

Purchase directly online

No lengthy paperwork, no agent visits, no waiting. Instant approval allows you to receive your policy once you apply.

30-Day Money Back Guarantee

If you are not absolutely satisfied with your plan, let us know and receive a full refund.

What our clients say

Explore Critical Illness Plan features


There are only two requirements in order to qualify for protection under Specialty Life's Critical Illness Plan:

  • You are between the ages of 18 and 69

  • You have a home address within Canada

Under this plan, there are no medical requirements to get coverage, and you cannot be denied for coverage due to health issues if you meet the above criteria.

Covered conditions

Our Critical Illness Plan offers a payout when diagnosed with the following conditions:

  • 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

Duration of coverage

Critical Illness Plan will provide guaranteed coverage to age 75.

Coverage amount

The Critical Illness Plan offers coverage from $5,000 up to $50,000.


Rates are dependent only on age, gender, and smoking status. Your health condition or health history has no effect on your premiums.

New applicants are rated in 5-year bands beginning at age 30. At the end of every 5-year band, premiums for the insured are reviewable and may increase. We guarantee, however, that any adjusted premiums will be less than a new applicant would pay at the same age.

Policy exclusions

The benefit will not be paid under the following circumstances:

  • If the insured dies within 30 days of diagnosis.

  • The benefit will not be paid for any pre-existing condition.

  • In the first 2-years only, the benefit will not be paid if the illness is caused by a pre-existing condition.

  • If diagnosed with cancer in first 90 days, the benefit will not be paid for this condition.

  • Suicide or any intentionally self-inflicted injury.

  • 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.

  • Committing or attempting to commit a criminal offense, or while in prison.

  • 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.

Top 5 reasons our clients apply for Critical Illness Plan
  • 1 Supplement lost income when taking a leave from work to recover. This is especially relevant if you are self-employed.
  • 2 Pay for medical bills and medication not covered by the provincial health plan.
  • 3 Cover travel and accommodations needed for specialized treatments.
  • 4 Payout debts to ease the financial burden, so you can focus on recovery.
  • 5 Cover upgraded medical facilities, such as private hospital rooms.
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