Critical Illness

Illness can strike at any time, and the financial after-effects can be felt for years or even a lifetime. Specialty Life offers a flexible, comprehensive, and above all: simplified solution to your clients’ financial well-being. Our Critical Illness plan is particularly valuable for clients who have already suffered from an illness in the past and can understand the importance of protecting their lifestyle and future security.


There are only two criteria needed to qualify your client for up to $50,000 in guaranteed Critical Illness coverage:
They are between the ages of 18 and 69 inclusive
They have a permanent Canadian address
• Additionally, coverage amounts of up to $150,000 are available to clients with a simplified health
questionnaire that is included within the policy.
• This plan is available to your clients even if they’ve had a critical illness or other health issues in the past, though some restrictions to benefits may apply. See “When this Benefit is not Paid” for more information.


Full coverage for
25 critical conditions

See below for a complete list for covered conditions.

Choice of coverage

Qualify your client for more coverage under a simplified policy for up to $150,000 in total benefits, even if their health would qualify them as hard-to-insure under other plans.

Guaranteed even with Pre-existing conditions

Even if your client has suffered from one of the below conditions in the past, they are still protected in the event of any of the remaining conditions, with some exclusions.

Instant issue

Arranging, filling and submitting a policy is fast, easy, and intuitive for you and your client. Most applications are received and processed in one business day.

Second Event benefit

Your client can keep existing coverage in force for remaining conditions, even after a claim has been made. The Second Event Benefit is payable once only per policy.

How the Benefit is Paid

Fully insured conditions

Alzheimer’s disease
Aorta surgery
Benign brain tumor
Coronary artery bypass surgery
Heart attack
Heart valve replacement
Loss of speech
Major organ failure
Major organ transplant
Motor neuron disease
Multiple sclerosis
Occupational HIV
Parkinson’s disease
Severe burns

Limited Covered Conditions

DCIS, Early Stage prostate cancer, Loss of independence, Cognitive Impairment 

When this Benefit is not Paid

Survival Period

All claims under this plan are subject to a 30-day survival period following the covered condition’s diagnosis.
A death that occurs during this time will not result in payable benefits.

General Exclusions

Benefits will not be paid for insured conditions or additional benefit conditions caused either directly or indirectly by any of the following:

• Suicide or any intentionally self-inflicted injury, while sane or insane;
• Declared or undeclared war, or any act of war, terrorism, riot or insurrection, or service in the armed forces of
any country, government or international organization;
• For injury or sickness, other than one of the insured conditions or additional benefit conditions, even if such
injury or sickness may have been complicated by the insured condition or an additional benefit condition;
• A complication of Human Immunodeficiency Virus (HIV) infection or any variance thereof including AIDS
and AIDS-related complex;
• Committing or attempting to commit a criminal offence, or while in prison; or
• The misuse of medication, or the abuse of drugs or intoxicants, or from having a blood alcohol level of 80
milligrams of alcohol in 100 millilitres of blood.

Pre-existing Condition Exclusion

Payable benefits are only valid for the first time in the client’s lifetime that he or she is diagnosed with an insured condition within the effective date of the policy. No benefits shall be paid for any insured condition that precedes the effective date of this policy.

Benefits will not be paid for any benefit amount for insured conditions or additional benefit conditions caused by or indirectly caused by or resulting from a pre-existing condition within the first two years of coverage.

90-Day Cancer Exclusion

No benefits will be paid in any kind for cancer, early-stage prostate cancer or treatment of DCIS for 90 days from the effective date of the policy or the date of reinstatement, whichever is sooner.