FAQs

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Critical Illness Insurance (4)

The statistics behind the survival rates of heart attack, stroke and cancer victims tell us this type of insurance is extremely important. Generally life style changes are required as a result of these and other covered events. And these long-term adjustments to life style can require a significant amount of money.

With most insurance companies the answer is “yes”, but only for certain covered events. There is no health questionnaire to complete. Your policy booklet will tell you what events are portable and if there is a pre-existing health clause attached to that.

It can be. It depends on your age, your current health and your family history. The least expensive critical illness insurance is through an employer-sponsored group insurance benefit.

The definitions of the various covered events. Don’t let price be your motivating factor. Make sure your broker explains ‘when and how’ claims are paid and not just what the best price is.

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