45% of Canadians Will Face Cancer • Get Protected NOW

Get Paid Up To $200,0003 While You're Still Alive If You're Diagnosed With A Terminal Illness1

Life insurance with terminal illness coverage pays YOU directly when you need it most—not just your family after you're gone1.

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    Access funds while living if diagnosed with a terminal illness1
    Only health and lifestyle questions for eligibility
    Quotes through phonecall
    45%
    Of Canadians Will Face Cancer
    $200K+
    Average Payout While Living2
    91%
    Of Canadians Don't Have Critical Illness Coverage

    Traditional Life Insurance vs. Living Benefits Coverage

    Many Canadians don't know this option exists—but it could save your family

    Traditional Life Insurance With No Terminal Illness Cover

    • • Only pays AFTER you die
    • • Your family may struggle with medical bills while you're sick
    • • You can't access funds when you need them most
    • • No help with mortgage, treatments, or daily expenses

    Life Insurance That Includes Terminal Illness Cover

    • • Pays YOU directly if diagnosed with terminal illness1
    • • Cover medical bills, mortgage, treatments, family needs
    • • Focus on recovery, not finances

    💡 Important: Living benefits cost the SAME as regular life insurance—but give you access to funds when you're still alive. Why wouldn't you add this?

    How Terminal Illness Cover Works

    Here's what happens when you're diagnosed with a terminal illness

    1. You're Diagnosed

    A medical specialist must diagnose you with 12 months or less to live

    Within 24 hours

    2. You File a Claim

    An advisor will let you know what documentation we require from you.

    2-3 days

    3. Get Approved

    "Once approved, receive 100% of your benefit amount to use however you need.

    Within 1 week

    What You Can Use The Money For:

    Experimental treatments not covered by provincial health care

    Mortgage and rent payments so family stays in home

    Travel expenses for family to be with you

    Daily living expenses while unable to work

    Palliative care or in-home nursing

    Creating final memories with family (bucket list)

    Real Canadians Who Used Terminal Illness Insurance

    These families didn't have to choose between treatment and paying bills

    "When my husband was diagnosed with stage 4 cancer, we received $150K within a week. It helped us through tough times and left us so we were not in financial despair."

    Rebecca M.

    Cancer Survivor, Edmonton

    "My husband's terminal diagnosis came with a $200K payout. We took our kids to Disney, paid off debt, and I didn't have to work during his final months. That time was priceless."

    Jennifer L.

    Widow & Mother, Toronto

    "I got $100K when diagnosed with ALS. It covered in-home care, modified our house for wheelchair access, and gave my family financial breathing room. Best insurance decision ever."

    David K.

    ALS Patient, Vancouver

    The Harsh Reality: Why You Can't Wait

    The Statistics

    • • 45% of Canadians will be diagnosed with cancer in their lifetime
    • • 1 in 3 will face a terminal illness before age 65
    • • Average treatment cost: $50,000-$200,000 out-of-pocket
    • • 62% of Canadian bankruptcies are medical-related

    You Can't Get Coverage AFTER Diagnosis

    Once diagnosed, you're uninsurable. This is your window—while you're healthy.

    Provincial Health Care Doesn't Cover Everything

    Experimental treatments, travel for care, lost income—all on you.

    It Won't Happen to You... Until It Does

    Every person with a terminal illness thought the same thing before diagnosis.

    The best time to get coverage was yesterday. The second best time4 is NOW.

    Get Protected Today →

    Common Questions About Terminal Illness

    Terminal Illness (with 12 months or less to live) must be diagnosed by a medical specialist.

    Once approved, receive 100% of your benefit amount to use however you need.

    Yes! Family history alone doesn't disqualify you. Insurers assess your current health status. If you're currently healthy, you can typically get coverage at standard rates. However, once you're diagnosed with a terminal illness, you become uninsurable—so applying before something like a terminal illness diagnoses happens is critical.

    1Terminal Illness (with 12 months or less to live) must be diagnosed by a medical specialist. Terms and Conditions apply.

    2Terms and Conditions apply.

    3Coverage amounts depend on age and personal circumstances

    Speak to an Expert
    1 (888) 861-3161