Individual Critical Illness Insurance
Individual Critical Illness Insurance
A tax-free lump sum paid directly to you upon diagnosis — so you can focus on recovery, not bills.
A Health Crisis Shouldn't Become a Financial One
A serious diagnosis shouldn't derail your finances. Critical Illness insurance pays you a tax-free lump sum if you are diagnosed with a covered life-threatening condition — money you can use however you need, whether that's replacing lost income, covering medical expenses, paying your mortgage, or simply focusing on recovery without financial stress.
Nearly 1 in 2 Canadians will be diagnosed with cancer in their lifetime. 1 in 4 will face some form of heart disease. Critical illness insurance ensures a health crisis doesn't become a financial one.
Why It Matters
Tax-Free Lump Sum
Paid directly to you upon diagnosis — no restrictions on how you use it.
No Restrictions
Use the money however you choose — income replacement, medical costs, mortgage, or anything else.
Works Alongside Existing Coverage
Complements your existing health insurance and group benefits — not a replacement.
Protect Your Savings
Shields your savings and RRSPs from unplanned withdrawals during a health crisis.
Covers What Healthcare Doesn't
Home modifications, private care, travel for treatment, and lost income — costs your provincial plan won't cover.
Lock In Lower Premiums
Secure lower rates while you're young and healthy — premiums increase with age.
Term or Permanent Options
Choose the coverage structure that fits your life stage and long-term financial plan.
The Benefit Can Help Cover
Who Should Consider Individual CI Coverage
Coverage options and conditions vary by carrier. Contact BreMac to find the right plan for your situation.
Find the Right Critical Illness Plan for You
Don't wait for a diagnosis to think about protection. Contact BreMac today to explore individual Critical Illness coverage options tailored to your situation.
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