Critical illness insurance provides access to the cash you need when you need it most. It can help cover operating expenses if you or one of your partners becomes critically ill. And thanks to the benefits it offers, it’s also a good way to retain key employees.

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This type of insurance is right for you if you want to protect yourself, your business, your partners and your key employees against the financial impact of a critical illness.

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Features:

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- Pays you a set benefit amount while you’re alive, following the diagnosis of a covered critical illness or surgical procedure.

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- A tax-free benefit that can be used however you want, so you can avoid having to dip into money you’ve set aside for company projects or retirement and compensate for lost productivity or hire a replacement.

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- The option to get all or some of your premiums back at the end of the contract period, if you die while the contract is in force or if you terminate the coverage.