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 $25,000 in guaranteed critical illness coverage :
  • 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.
See below for a complete list for covered 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.
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.
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.
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.
Alzheimer’s disease
Aorta surgery
Benign brain tumour
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
DCIS, Early Stage prostate cancer, Loss of independence.
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.

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.

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.

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.


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