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

"Mark has been helping me with Life Insurance and Critical Illness for over 10 years. Like most people, I find it difficult to deal with these issues and take care of them properly to make sure that my family is safe and secure in the future. My previous experience with life insurance salesmen left me feeling pretty cynical and fearful. Enter Mark Halpern - He has an amazing array of innovative products, he explains things so that you really get it, and absolutely no pressure - I kid you not. On one occasion, he even advised against purchasing a product! Look, the last thing I want to sound like is an infomercial, but for Mark, I will make an exception. Life insurance is critical and you want to deal someone who has knowledge, integrity, and compassion. Mark Halpern is the man."
Dr. L Steiner
Psy.D., Clin. Psych

"When it comes to insurance, Mark Halpern is my 'go-to-guy'. I recommend him highly to any busy person without the time, expertise, or inclination to handle complicated insurance matters for their family or business."
Brian J. Singer, BA MBA
Investment Advisor
Raymond James Ltd.

"You're Great! I hadn't even heard of Critical Illness insurance before meeting you. Thanks for making it happen. It's nice to know you are always there when we need you. Thanks again on behalf of our entire family."
Arna Feldman
Dental Hygienist