critical care insurance 


"Once you set out on a path, you must never look back to see how many people are going with you"
Author Unknown

Critical Illness Insurance pays a guaranteed lump sum benefit 30 days after the insured individual is diagnosed with a disease or illness specified in the policy, such as a heart attack, stroke or cancer and many others. The benefit payment is tax-free. Critical Illness insurance is designed to help individuals to meet financial needs while recovering from a life-altering illness.

 

A key benefit of the critical illness insurance policy is its flexibility. The insured may use the funds in any way he or she chooses, depending on the nature of the illness and the needs of the individual.

 

To the right are "Top Ten Reasons Not to Buy Critical Care Insurance"Although this list s somewhat exaggerated, it drives home the point.  Canadians need critical illness insurance not because they are going to die but because they are going to live.  Look at the statistics!

 

View the Suzanne Aucoin Story below where Suzanne recounts her personal health crisis and the far-reaching effects of being without critical illness insurance.  Note:  Please allow a few moments for video to load.    Thank you. 

 

 

The policy can provide funds to:

  • Allow the insured to extend his or her stay-at-home recovery period.

  • Arrange for immediate private treatment in another country.
  • Pay for alternative therapies or medications.
  • Compensate for lost income. Pay for childcare
  • Compensate for the lost or reduced income of a healthy spouse.
  • Fund travel or other activities.
  • Renovate the home or vehicle.

  (250) 390-1995  1-800-668-7558
 Zulak Financial Group Ltd

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10.  "My spouse can go to work or I can get a second job to replace the income.  It is easy to get a job these days."

 9.  "My children can help by getting a paper route working at a fast food restaurant or both".

8.  My mortgage lender or landlord will understand that I cannot pay and they will let us reside free until I can work again."

7.  "My city tax department will understand if I do not pay my property tax."

6.  "Even if my car is repossessed, I can walk to wherever I need to go or better yet, neighbors and friends can taxi me around.

5.  "Doctors take an oath to care for people, so they won't mind if I cannot pay them."

4.  "I pay taxes, so its easy to qualify for government disability payments."

3.  "I can live off my savings.  Doesn't everyone have a year or more income stashed away?"

2.  "I have disability insurance at work.  I am certain it does not need supplementing since I will always work there.  Since they will always offer disability insurance, what's there to worry about?"

1..  "I am 100% certain I will never have a heart attack, stroke or cancer, require by-pass surgery or be diagnosed with any of the covered illnesses!"