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A serious diagnosis shouldn’t mean a financial crisis too.

Critical illness insurance pays you a tax-free lump sum if you’re diagnosed with a covered condition – cancer, heart attack, stroke, and more. Use it however you need: bills, treatment, lost income, or just peace of mind.

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1 in 2

Canadians will develop cancer in their lifetime

$50K+

average out-of-pocket costs during a serious illness

100%

of the lump sum is yours to spend any way you choose
 
  • Tax-free benefit paid directly to you
  • No restrictions on how you spend it
  • Licensed advisors available
  • Free, no-pressure quote
  • Independent & unbiased
  • Compare top-rated carriers
  • Licensed advisors available
  • No pressure, ever

Not the same as health insurance

Your health plan covers your medical bills. Critical illness insurance covers everything else – the financial gaps that a serious illness creates in your everyday life.

Mortgage & rent

Your health plan covers your medical bills. Critical illness insurance covers everything else - the financial gaps that a serious illness creates in your everyday life.

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Lost income

Replace weeks or months of missed paychecks during treatment and recovery.

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Experimental treatment

Fund treatments your health plan won't cover, including out-of-country options.

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Childcare & family help

No parent wants to think about losing a child. Coverage ensures your family can grieve without the added burden of unexpected funeral or medical costs.

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Life events that trigger coverage

Is now the right time for you?

Lifensure has been committed to protecting Canadian families with comprehensive, affordable life insurance solutions. Our journey began with a simple mission: to make life insurance accessible and understandable for everyone.

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Cancer

Life-threatening malignant tumours and many early-stage diagnoses

Heart attack

Acute myocardial infarction with measurable cardiac damage

Stroke

Neurological impairment lasting 30+ days from a cerebrovascular event

Coronary bypass

Neurological impairment lasting 30+ days from a cerebrovascular event

Kidney failure

End-stage renal disease requiring dialysis or transplant

Major organ transplant

Heart, lung, liver, kidney, or pancreas transplant procedures

MS & Parkinson's

Diagnosed neurological conditions with confirmed functional impairment

Alzheimer's disease

Definitive diagnosis with documented cognitive decline

+ more conditions

Many policies cover 25–35 conditions total. Ask your advisor for the full list.
How it works

Simple from quote to claim

  • Get a free quote

    Tell us your age, health history, and the coverage amount you're considering. Takes about 5 minutes.

  • Choose your coverage amount & conditions

    Select a benefit amount typically $25K to $500K and choose a policy that covers the conditions most relevant to your health history and family background.

  • Apply and get approved

    Most applicants go through a straightforward underwriting process. Some policies offer simplified or no-exam options for lower coverage amounts.

  • If the worst happens, the money is yours

    Survive the required waiting period after diagnosis and the full benefit is paid directly to you — no receipts, no restrictions, no questions.

A diagnosis changes everything. Be ready for it.

Get a free, no-obligation critical illness quote today. Our advisors will walk you through your options and help you find the right coverage at the right price.

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No spam. No pressure. Just honest advice.

Common questions

Answers you actually need

A common starting point is 10–12 times your annual income, plus any outstanding debts like your mortgage. But the right amount depends on your specific situation – your income, debts, number of dependents, and future expenses like college tuition. Our advisors can help you nail down the right number.
 
Term life covers you for a specific period (like 20 years) and is the most affordable option for most families. Whole life is permanent and builds cash value, but costs significantly more. For most people focused on income replacement and family protection, term is the practical choice.
 
Not necessarily. Many carriers now offer no-exam policies that can be approved in minutes. These typically have slightly higher premiums but are a great option for people who want fast coverage or have health history concerns. We can show you both options side by side.
 
Group coverage through an employer is a great starting point, but it’s usually only 1–2x your salary — far less than most families need. It also disappears the moment you leave your job. An individual policy travels with you and can be sized to what your family actually needs.
 
It’s rarely too late. Premiums do increase with age and health conditions can affect rates, but many people in their 50s and 60s still find very affordable options. The best thing to do is get a quote – you may be pleasantly surprised.