Take your group insurance program to a higher level by offering employees the opportunity to protect themselves and their families against the financial chaos that can come with a critical illness or injury. We are able to provide employees Optional Critical Illness Coverage with no minimum participation required. We offer Guaranteed Issue up to $50,000 for employees and spouses, $5,000 for dependent children.

Coverage is available to spouses even if the insured employee does not participate. Optional Critical Illness Insurance comes with a lot of valuable features, like: Coverage that doesn’t mess with your other benefits It will not change or decrease the coverage you may have under your benefit plans, like your health care or disability plan. This insurance will pay you in addition to any other coverage you may have.

Protection you keep: Even though employees purchase this insurance through the group plan, if the employee ever leaves employment, the coverage can be converted into a personal policy without additional medical evidence of insurability. A safety net: Optional Critical Illness Insurance provides a second layer of protection to catch the extra medical expenses that are not covered by disability, supplemental health insurance and/or provincial health care plans.

Contact Us for more information!