Critical Illness.
Tax-free lump sum if you're diagnosed with a covered serious illness. Bills, treatment, time off — your choice.
Everything you'd expect. Nothing you don't.
Plain-English coverage, no 40-page policy wording to decode.
Lump-sum payout
Tax-free cash on diagnosis of a covered illness.
Covered conditions
Cancer, heart attack, stroke and more — typically 25+ conditions.
No-use refund option
Optional: return-of-premium if you never claim.
Survival periods
Short survival period required for payout to trigger.
Three steps. One conversation.
Tell us about you
5 minShort intake — we learn what you need and what matters.
We shop markets
1–3 daysWe place your file with the right carriers and compare options.
Review and bind
15 minPick the option that fits. We walk you through before you sign.
Questions we hear most.
How is this different from disability?
Disability replaces income. Critical illness pays a lump sum regardless of whether you can still work.
What's a typical payout?
$25k–$250k depending on the policy you choose.
Ready to get covered?
Talk to a real BC advisor. No scripts, no upsells.