Critical Illness Insurance

Watch Dr. Marius Barnard describe his work as a pioneering heart surgeon and how he developed critical illness insurance. Watch it here.

An integral part of a comprehensive benefits plan

Everyone knows someone who has suffered a serious illness. As public awareness of critical illness has grown, employers and employees are recognizing the value of adding this insurance to their group benefit programs.

A benefits plan plays a critical role in enhancing employees' well-being and building loyalty. Critical illness insurance is not intended to replace other benefits - it is designed to complement them.

Offering CI as part of a benefits plan can help employees protect themselves and their families if they should face a serious illness. They will be better able to access the medical treatment they need and to focus on their recovery without worrying about the financial burden. Employers benefit from improved employee loyalty and productivity and enhanced recognition as an employer of choice.

Giving employees more

There may be a misconception among employers and employees that additional coverage is not necessary given the benefits they already have. However, not all critical illnesses result in a disability claim, nor do all of the costs associated with a serious illness qualify for health benefits. CI can provide an added level of security to help fill any gaps in an overall financial protection plan.

Critical Illness insurance complements disability, life, and health benefits. If employees should suffer a covered illness, they would be paid a one-time, lump sum benefit following a specified survival period and approval of their claim. The benefit is paid regardless of whether they are able to work or what expenses they have incurred. Employees collect the full amount even if they make a full recovery. And, they can use the money any way they want - to seek other treatment, buy specialized equipment or pay down their mortgage.

If your group plan has more than 50 members, our proprietary program may allow us to implement illnessPROTECTION at no additional cost.

Our group plan experts currently help more than 1,500 companies across Canada, managing combined premiums in excess of $250 million.

The sheer volume of our group business will save money for your company immediately without changing your current benefits provider. We can help your company too - please contact us today for your no-obligation consultation.

Our benefits specialists now manage over 1500 groups across Canada with combined
annual premium of more than $250 Million

Learn More

To learn more simply fill out this form or call us at 416-364-2929 or 1-866-566-2001.

What Our Clients say

"I responded to Mark's radio advertising for critical illness insurance. As the owner of a large travel agency since 1988, I am kept very busy looking after the needs of my clients. Unfortunately it doesn't always leave time for me to take care of my own personal housekeeping. Mark is a real professional. He took a big picture view of my life and helped me fill all of the holes in my estate and retirement planning. I feel much better now knowing that everything is in the right place. I have already started referring Mark to my family, colleagues, and friends. He's a great guy to work with for any busy, successful business owner. "
Kimberley Walsh

President
K.Walsh & Associates Travel Services Inc.

"I turn to Mark Halpern for help on insurance matters for myself and for my clients. He is an extremely competent professional with knowledge and expertise that comes particularly handy in complex estate and trust matters."
Joe Lebovics, C.A.

Lebovics and Good, Chartered Accountants

"For several years Mark has provided professional advice of the highest quality to me and my extended family on a number of insurance, estate planning and tax planning matters."
Richard E. Austin. LLB, MBA 

"You just never know... I remember thinking about critical illness insurance... do I need it, how much is reasonable, what's the cost, and so on. I considered not getting it, as getting sick was such a remote possibility. So I met with Mark and despite those doubts I finally bought a policy, and just over two years later I was diagnosed with prostate cancer. No one plans on getting sick, life just happens. Thanks Mark, for all your advice and guidance throughout the entire process. I encourage every reader to do the same right now while you are healthy."
B.A.
Business Owner, Healthcare Consultant