Critical Illness Insurance

Your Added Protection Against Financial Loss

Can you afford these expenses?

A critical illness or condition can stretch resources. Could you afford to:

• Modify your home
• Purchase a wheelchair or other specialized equipment
• Hire a nurse, housekeeper or child care provider
• Seek timely or non-insured treatment outside Canada
• Pay outstanding loans or mortgages
• Replace a key employee
• Hire additional staff

How will you cover these expenses?

"You need this insurance not because you're going to die, but because you're going to live" ................Dr. Marius Barnard , helped pioneer the first critical illness policy in 1983

Dr. Marius Barnard - Critical Illness Coverage

Chances for Critical Illness

Suffering a critical illness or condition is more likely than you may think.

• 1 in 2 men are predicted to develop heart disease in their lifetime
• 1 in 3 women are predicted to develop heart disease in their lifetime
• 40,000 to 50,000 Canadians suffer a stroke each year
• During their lifetime:
• 1 in 2.5 men and 1 in 2.8 women living in Canada will develop cancer
• 1 in 9.5 women will develop breast cancer
• 1 in 11 men and 1 in 20 women will develop lung cancer
• 132,100 new cancer cases were estimated to occur in Canada in 2000
• An estimated 50,000 Canadians, twice as many women as men, have Multiple Sclerosis

Surviving a critical illness or condition is also more likely than you may think.

• 85% of hospitalized heart attack patients survive - the percentage is higher for those with their first heart attack, and lower for those with recurrent heart attacks
• 75% of stroke patients survive the initial event
• sources:
  Statistics Canada
  Heart and Stroke Foundation, 2001
  Multiple Sclerosis Society of Canada, 2001
  National Cancer Institute of Canada: Canadian Cancer Statistics 2000, Toronto, Canada, 2000