Did you know...

Heart disease

• 82% of victims survive their first heart attack.
• One out of four Canadians will develop some form of heart disease over the course of their life.
• One out of two heart attack victims is younger than age 65
• the approximate acute care costs are $27,500 per stroke (Heart and Stroke Foundation of Canada – 2001 Statistics)

Stroke

• 75% of victims survive a first stroke.
• One person in 20 is at risk of suffering a stroke.
• 50,000 Canadians suffer a stroke every year.

Cancer

• One out of three people will develop cancer in their lifetime.
• Three out of four families will be affected.
• More than 70% of the costs linked to cancer are not covered by the provincial health insurance plan.

Do I need critical illness insurance?

Most serious illness are described as "life-altering" because of the need for large amounts of money for treatments. How would you pay for the extra medical costs not covered by provincial healthcare plans? What can you do to protect yourself and your family in the event that you suffer from a life-threatening illness?

A critical illness often requires you to leave your job to focus on getting well. while your income is reduced, your expenses and loans still have to be paid, as well as a number of additional costs that often accompany a critical illness (medication, special treatments, specialized equipment home renovations, etc.) The financial burden can be overwhelming, especially if you don't have any other source of income during your recovery period.

Critical Illness Insurance provides a cash benefit to the policy holder when diagnosed with a critical illness. It allows them to focus energy on recovery and not have to worry about your finances. With our "return of premium benefit rider" you may be able to get a refund of all your premiums paid through the years if you decide to surrender the plan.

Contact Vivian today for more information about Critical Illness insurance.