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 and cancer, require by-pass surgery or be diagnosed
         with any of the covered illnesses!"

  Although this Top 10 List is 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!