"Go confidently in the direction of your dreams! Live the life you've imagined." ~ Henry David Thoreau

Betty-Anne Howard
M.S.W., B.A. (Hon.), CFP, CLU, CHS

Making Dreams A Reality
Critical Illness Insurance

Consider these statistics and facts:*

* 1 in 2 men and 1 in 3 women are predicted to develop heart disease in their lifetime.

* There are 40,000 to 50,000 strokes in Canada each year.

* During their lifetime:

  • 1 in 2.4 men and 1 in 2.7 women living in Canada will develop cancer.
  • 1 in 9 women will develop breast cancer.
  • 1 in 11 men and 1 in 18 women will develop lung cancer.

* An estimated 2,798 Canadians will be diagnosed with cancer every week.

* An estimated 50,000 Canadians, twice as many women as men, have Multiple Sclerosis.

Statistics sources: Heart and Stroke Foundation, 2004. 2004 Multiple Sclerosis Society of Canada. National Cancer Institute of Canada: Canadian Cancer Statistics 2004.

What are my chances of surviving from a critical illness?

Advances in medical science and increasing life expectancies mean you have a better chance of surviving a critical illness. However, a critical illness often brings overwhelming medical and financial burdens on you and your family.

Some survival statistics:

  • * 86% of hospitalized heart attack patients survive – the percentage is higher for those with their first heart attack, and lower for those with recurrent heart attacks.
  • * 80% of stroke patients survive the initial event.

Financial Strain

World renowned heart surgeon Dr. Marius Barnard helped develop critical illness insurance. Dr. Barnard witnessed the emotional strains that many of his patients faced after surviving serious illnesses. Financial stress often worked against recovery or, in many cases, left patients struggling to pay bills as they resumed their lives.

“You need financial independence when you’re ill,” said Dr. Barnard. “Not because you’re going to die, but because you’re going to live.”

Questions to Ask Yourself:

  • People insure their mortgages, their cars and their homes but few insure themselves. Why?
  • If you were to have a heart attack, stroke or suffer from cancer and we could pay you a cash amount so you wouldn’t have to worry about your bills or could seek treatment whenever and wherever you wanted – would that be beneficial to you and your family?
  • If I told you that individual Critical Illness policies can be set up so that if you did not use the insurance you would get all of your premiums refunded – would that interest you?
  • How much of your house and car premiums are returned to you if you don’t use them? NONE

Call, e-mail or request a quote today to find out how we can help your group or just you alone.

Here are some examples of Critical Illness conditions:

  • Alzheimer’s Disease
  • Loss of Independent Existence
  • Aortic Surgery
  • Loss of Limbs
  • Aplastic Anemia
  • Loss of Speech
  • Bacterial Meningitis
  • Major Organ Failure on Waiting List
  • Benign Brain Tumour
  • Major Organ Transplant
  • Blindness
  • Motor Neuron Disease
  • Cancer (Life-Threatening)
  • Multiple Sclerosis
  • Coma
  • Occupational HIV
  • Coronary Artery Bypass Surgery
  • Paralysis
  • Deafness
  • Parkinson’s Disease
  • Heart Attack
  • Severe Burns
  • Heart Valve Replacement
  • Stroke
  • Kidney Failure