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CI or Critical illness provides a lump sum or partial payment when your life is threatened then become ill with any one of the biggest critical illnesses: heart attack, stroke and cancer account for 85% of the majority of CI claims. Cancer claims account for the single largest claims category. The latest form of CI insurance is called cancer insurance which has slightly lower premiums.  Watch the video about how and when Critical Illness Insurance was invented.
Dr Barnard the inventor of Critical Illness Insurance



CI pays a cash amount when you have one of 24 life threatening illnesses. Critical Illness was first invented by heart surgeon Dr Marius Barnard. And was first introduced in South Africa in 1982 and in Canada in 1996. Critical Illness has tremendous flexibility because there are no restrictions on how you spend the lump sum cash you receive as a benefit when you make a claim. You do not have to get approval for expenditures, provide receipts or spend money on medical expenses. You choose how you want to spend the money having treatment in another country, buying necessary treatments or drugs, make modifications to your house.



30 Day Benefit Claim Waiting Period: CI will pay the sum insured upon first diagnosis of a Critical Illness condition. In order for the Sum Insured to be paid, the Insured must survive for a period of 30 days following the first diagnosis of  the Critical Illness condition.

Waiver of Premium Rider: Many policies allow you to add payment of your CI premium if you are disabled and can’t work. Insuring your insurance policies can sometimes make sense.

Return of Premium on Death Rider: Most policies will return the Annual Base Premiums paid from the policy date to the date of death when the Insured dies. The maximum amount returned is  usually limited to the Sum Insured.

Return of Premium on Surrender Option Rider: This feature provides the Insured the option to surrender coverage on the 10th-15th or 20th -25th policy anniversary and receive a 100% return of annual premiums paid. The insured also has the option to surrender only a portion of coverage and receive a proportionate return of premium. This rider is expensive and can double your monthly premiums its worth considering to both as a way to save and have insurance. The following conditions are usually covered in most CI policies:

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