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Critical Illness Insurance - Advantages and Disadvantages

Advantages of Critical Illness Insurance

  • Tax-free lump sum. after 30 days of being diagnosed with a life-threatening illness, a critical illness insurance policy pays out a tax-free lump sum;
  • Family protection. Critical illness insurance is essential for those that have a mortgage to pay or young family to protect;
  • Covers up to 26 diseases. Whilst the specifics of what is covered by critical illness cover vary between policies, all should cover:  cancer, heart attacks, coronary artery bypass and strokes;
  • Peace-of-mind. Whilst nobody expects to get a life-threatening illness, critical illness cover provides a family with peace-of-mind as to God forbid in the case family is struck with family member with Critical Illness all they have to worry about is health conditions and recovery and not about finances.
  • Guaranteed premiums. While renewable premiums tend to be cheaper to begin with, however it becomes expensive to renew. It is advisable to get longer term like till age 65 or till age 75 where premiums don’t change.

 Disadvantages of Critical Illness Insurance

  • Additional costs. Those struggling to pay general living expenses may find that it is difficult to afford critical illness insurance, life insurance and other forms of cover deemed essential;
  • Exclusion of certain diseases. Most policies no longer cover lymphoma or Kaposi's sarcoma in the presence of HIV, non-invasive skin cancers, and less advanced cases of prostate cancer. Always check critical illness insurance cover policies for specific details as they can vary considerably between policy providers;
  • Existing medical conditions. Should certain close family members have a high incidence of a specific life-threatening illness, premiums may be increased or the disease excluded. Those that have already suffered a life-threatening illness will find that it is excluded from the policy;
  • Under-writing process. Once application for CI is completed and submitted for processing, underwriters during process of underwriting a critical illness insurance policy may put exclusions to pre-existing conditions.

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Medical Health Conditions/

Smart Shoppers / Wise steps in getting Life Insurance Policy/ how to proceed
When applying, always apply with three or more insurers or insurance company at the same time, doing that yourself could be troublesome, so taking a help of life insurance broker is a better option, as we can apply for you with three or more life insurance companies at the same time and the advantages are...

What is No Medical Life Insurance?
No medical Life Insurance as name signifies Life insurance without medical examination ie no blood work, no needle tests or urine sample or no medical results from doctor.


Understanding Universal Life Insurance Policy
Universal life insurance plan typically consists of insurance coverage in the form of permanent insurance combined with an investment component (also called Cash Value or surrender value)...


Life Insurance options for conditions like Cancer, Stroke, High B.P., Diabetes, Heart Conditions
Life Insurance offers many options to you when you are healthy and options offered by this insurance industry to those with health conditions is limited and few, but good news is there are still few options...


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We are a broker company offering plans / insurance products from companies like Manulife Financial, RBC Insurance, Sun life, Industrial Alliance, Assumption Life, Empire Life and many more, what we care for is a plan that best suits your needs at lowest possible premiums. We work in the best interest of client and not insurance companies. We strive to maintain the accuracy with all the information provided on this website; however errors and omissions regretted.

       Norman & Cindy, London ON         William & Dorothy, Sarnia ON         Richard & Shelly, Toronto ON        Peter, Brampton ON 
"Kept us completely informed on each step while waiting approval."
"I had been turned down time after time.....Life Insurance Advisors got a policy for me at preferred rates...Thanks" 
"Your service was outstanding, you kept us in the loop throughout the entire process. You made shopping for life insurance a breeze. Thank you so much!"
"Mike, Thanks for being so professional. You have provided me the life insurance at the right value without any hassle. Thanks."
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