{"id":1224,"date":"2025-07-17T15:35:09","date_gmt":"2025-07-17T13:35:09","guid":{"rendered":"https:\/\/assuranceviecanada.ca\/?page_id=1224"},"modified":"2026-03-20T12:15:28","modified_gmt":"2026-03-20T11:15:28","slug":"assurance-maladie-grave","status":"publish","type":"page","link":"https:\/\/assuranceviecanada.ca\/en\/assurance-maladie-grave\/","title":{"rendered":"Critical illness insurance"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1224\" class=\"elementor elementor-1224\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e277cbf e-flex e-con-boxed e-con e-parent\" data-id=\"e277cbf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-52f0662 e-con-full e-flex e-con e-child\" data-id=\"52f0662\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b741754 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"b741754\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">life insurance canada<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92c26e4 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"92c26e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Critical illness insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a36384 e-flex e-con-boxed e-con e-parent\" data-id=\"2a36384\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3a961cf e-con-full e-flex e-con e-child\" data-id=\"3a961cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65f073b elementor-widget elementor-widget-shortcode\" data-id=\"65f073b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f2928-o1\" lang=\"fr-FR\" dir=\"ltr\" data-wpcf7-id=\"2928\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/en\/wp-json\/wp\/v2\/pages\/1224#wpcf7-f2928-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formulaire de contact\" novalidate=\"novalidate\" data-status=\"init\" data-trp-original-action=\"\/en\/wp-json\/wp\/v2\/pages\/1224#wpcf7-f2928-o1\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"2928\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.5\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"fr_FR\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f2928-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<p><label> Your name<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" autocomplete=\"name\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span> <\/label>\n<\/p>\n<p><label> Your email<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" autocomplete=\"email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<\/p>\n<p><label> Your phone number<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel-202\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"tel-202\" \/><\/span> <\/label>\n<\/p>\n<p><label> types of insurance<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"select-324\"><select class=\"wpcf7-form-control wpcf7-select\" aria-invalid=\"false\" name=\"select-324\"><option value=\"Besoin d\u2019assurance vie temporaire\">Need term life insurance<\/option><option value=\"besoin d\u2019une assurance vie permanente\">need permanent life insurance<\/option><option value=\"besoin d\u2019une assurance participative (avec investissement)\">need participatory insurance (with investment)<\/option><option value=\"besoin d&#039;une assurance hypoth\u00e9caire\">besoin d&#039;une assurance hypoth\u00e9caire<\/option><option value=\"Autres type d\u2019assurance\">Other types of insurance<\/option><\/select><\/span> <\/label>\n<\/p>\n<p><label> Other details (optional)<br \/>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" name=\"your-message\"><\/textarea><\/span> <\/label>\n<\/p>\n<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-257\"><span class=\"wpcf7-form-control wpcf7-acceptance optional\"><span class=\"wpcf7-list-item\"><label><input type=\"checkbox\" name=\"acceptance-257\" value=\"1\" aria-invalid=\"false\" \/><span class=\"wpcf7-list-item-label\">En cliquant sur le bouton, J'accepte les <a href=\"https:\/\/assuranceviecanada.ca\/en\/politique-de-confidencialite\/\" target=\"_blank\">termes et conditions<\/a>.<\/span><\/label><\/span><\/span><\/span>\n<\/p>\n<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Compare offers\" \/>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b46172f elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"b46172f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-hand-point-left\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 220.8C0 266.416 37.765 304 83.2 304h35.647a93.148 93.148 0 0 0 7.929 22.064c-2.507 22.006 3.503 44.978 15.985 62.791C143.9 441.342 180.159 480 242.701 480H264c60.063 0 98.512-40 127.2-40h2.679c5.747 4.952 13.536 8 22.12 8h64c17.673 0 32-12.894 32-28.8V188.8c0-15.906-14.327-28.8-32-28.8h-64c-8.584 0-16.373 3.048-22.12 8H391.2c-6.964 0-14.862-6.193-30.183-23.668l-.129-.148-.131-.146c-8.856-9.937-18.116-20.841-25.851-33.253C316.202 80.537 304.514 32 259.2 32c-56.928 0-92 35.286-92 83.2 0 8.026.814 15.489 2.176 22.4H83.2C38.101 137.6 0 175.701 0 220.8zm48 0c0-18.7 16.775-35.2 35.2-35.2h158.4c0-17.325-26.4-35.2-26.4-70.4 0-26.4 20.625-35.2 44-35.2 8.794 0 20.445 32.712 34.926 56.1 9.074 14.575 19.524 27.225 30.799 39.875 16.109 18.374 33.836 36.633 59.075 39.596v176.752C341.21 396.087 309.491 432 264 432h-21.299c-40.524 0-57.124-22.197-50.601-61.325-14.612-8.001-24.151-33.979-12.925-53.625-19.365-18.225-17.787-46.381-4.95-61.05H83.2C64.225 256 48 239.775 48 220.8zM448 360c13.255 0 24 10.745 24 24s-10.745 24-24 24-24-10.745-24-24 10.745-24 24-24z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5569162 elementor-hidden-desktop elementor-hidden-tablet elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5569162\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-hand-point-up\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M105.6 83.2v86.177a115.52 115.52 0 0 0-22.4-2.176c-47.914 0-83.2 35.072-83.2 92 0 45.314 48.537 57.002 78.784 75.707 12.413 7.735 23.317 16.994 33.253 25.851l.146.131.148.129C129.807 376.338 136 384.236 136 391.2v2.679c-4.952 5.747-8 13.536-8 22.12v64c0 17.673 12.894 32 28.8 32h230.4c15.906 0 28.8-14.327 28.8-32v-64c0-8.584-3.048-16.373-8-22.12V391.2c0-28.688 40-67.137 40-127.2v-21.299c0-62.542-38.658-98.8-91.145-99.94-17.813-12.482-40.785-18.491-62.791-15.985A93.148 93.148 0 0 0 272 118.847V83.2C272 37.765 234.416 0 188.8 0c-45.099 0-83.2 38.101-83.2 83.2zm118.4 0v91.026c14.669-12.837 42.825-14.415 61.05 4.95 19.646-11.227 45.624-1.687 53.625 12.925 39.128-6.524 61.325 10.076 61.325 50.6V264c0 45.491-35.913 77.21-39.676 120H183.571c-2.964-25.239-21.222-42.966-39.596-59.075-12.65-11.275-25.3-21.725-39.875-30.799C80.712 279.645 48 267.994 48 259.2c0-23.375 8.8-44 35.2-44 35.2 0 53.075 26.4 70.4 26.4V83.2c0-18.425 16.5-35.2 35.2-35.2 18.975 0 35.2 16.225 35.2 35.2zM352 424c13.255 0 24 10.745 24 24s-10.745 24-24 24-24-10.745-24-24 10.745-24 24-24z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab7e689 elementor-widget-mobile__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ab7e689\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Our broker and advisor partners work with the most well-known insurers in Quebec (see list)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b2ec47f e-con-full e-flex e-con e-child\" data-id=\"b2ec47f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-757fef6 e-con-full e-flex e-con e-child\" data-id=\"757fef6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2fcf71d e-con-full e-flex e-con e-child\" data-id=\"2fcf71d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9940a18 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"9940a18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-handshake\" viewbox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M519.2 127.9l-47.6-47.6A56.252 56.252 0 0 0 432 64H205.2c-14.8 0-29.1 5.9-39.6 16.3L118 127.9H0v255.7h64c17.6 0 31.8-14.2 31.9-31.7h9.1l84.6 76.4c30.9 25.1 73.8 25.7 105.6 3.8 12.5 10.8 26 15.9 41.1 15.9 18.2 0 35.3-7.4 48.8-24 22.1 8.7 48.2 2.6 64-16.8l26.2-32.3c5.6-6.9 9.1-14.8 10.9-23h57.9c.1 17.5 14.4 31.7 31.9 31.7h64V127.9H519.2zM48 351.6c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16c0 8.9-7.2 16-16 16zm390-6.9l-26.1 32.2c-2.8 3.4-7.8 4-11.3 1.2l-23.9-19.4-30 36.5c-6 7.3-15 4.8-18 2.4l-36.8-31.5-15.6 19.2c-13.9 17.1-39.2 19.7-55.3 6.6l-97.3-88H96V175.8h41.9l61.7-61.6c2-.8 3.7-1.5 5.7-2.3H262l-38.7 35.5c-29.4 26.9-31.1 72.3-4.4 101.3 14.8 16.2 61.2 41.2 101.5 4.4l8.2-7.5 108.2 87.8c3.4 2.8 3.9 7.9 1.2 11.3zm106-40.8h-69.2c-2.3-2.8-4.9-5.4-7.7-7.7l-102.7-83.4 12.5-11.4c6.5-6 7-16.1 1-22.6L367 167.1c-6-6.5-16.1-6.9-22.6-1l-55.2 50.6c-9.5 8.7-25.7 9.4-34.6 0-9.3-9.9-8.5-25.1 1.2-33.9l65.6-60.1c7.4-6.8 17-10.5 27-10.5l83.7-.2c2.1 0 4.1.8 5.5 2.3l61.7 61.6H544v128zm48 47.7c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16c0 8.9-7.2 16-16 16z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94f9ba4 elementor-widget elementor-widget-counter\" data-id=\"94f9ba4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Assureurs<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"25\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e97647c e-con-full e-flex e-con e-child\" data-id=\"e97647c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-602ffc3 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"602ffc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-list-alt\" viewbox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h416c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zm-6 400H54a6 6 0 0 1-6-6V86a6 6 0 0 1 6-6h404a6 6 0 0 1 6 6v340a6 6 0 0 1-6 6zm-42-92v24c0 6.627-5.373 12-12 12H204c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h200c6.627 0 12 5.373 12 12zm0-96v24c0 6.627-5.373 12-12 12H204c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h200c6.627 0 12 5.373 12 12zm0-96v24c0 6.627-5.373 12-12 12H204c-6.627 0-12-5.373-12-12v-24c0-6.627 5.373-12 12-12h200c6.627 0 12 5.373 12 12zm-252 12c0 19.882-16.118 36-36 36s-36-16.118-36-36 16.118-36 36-36 36 16.118 36 36zm0 96c0 19.882-16.118 36-36 36s-36-16.118-36-36 16.118-36 36-36 36 16.118 36 36zm0 96c0 19.882-16.118 36-36 36s-36-16.118-36-36 16.118-36 36-36 36 16.118 36 36z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0fc34f elementor-widget elementor-widget-counter\" data-id=\"f0fc34f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Submission every year<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"35000\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50ffd58 e-con-full e-flex e-con e-child\" data-id=\"50ffd58\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c195ccc elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"c195ccc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-eye\" viewbox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288 144a110.94 110.94 0 0 0-31.24 5 55.4 55.4 0 0 1 7.24 27 56 56 0 0 1-56 56 55.4 55.4 0 0 1-27-7.24A111.71 111.71 0 1 0 288 144zm284.52 97.4C518.29 135.59 410.93 64 288 64S57.68 135.64 3.48 241.41a32.35 32.35 0 0 0 0 29.19C57.71 376.41 165.07 448 288 448s230.32-71.64 284.52-177.41a32.35 32.35 0 0 0 0-29.19zM288 400c-98.65 0-189.09-55-237.93-144C98.91 167 189.34 112 288 112s189.09 55 237.93 144C477.1 345 386.66 400 288 400z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2546316 elementor-widget elementor-widget-counter\" data-id=\"2546316\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Visitor every month<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"80000\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4472931 e-flex e-con-boxed e-con e-parent\" data-id=\"4472931\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07a4be2 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"07a4be2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get critical illness insurance without a medical exam in 2025 \u2013 acceptance guaranteed!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3028aef elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3028aef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">No one is immune to health problems, and illness can occur at any time, regardless of age or physical condition.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edaa089 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"edaa089\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"227\" data-end=\"468\">In Canada, the Canadian Cancer Society estimates that <strong data-start=\"281\" data-end=\"357\">2 in 5 people will be diagnosed with cancer during their lifetime<\/strong>. In addition, according to the Heart and Stroke Foundation, <strong data-start=\"409\" data-end=\"467\">a person has a stroke every 7 minutes<\/strong>.<\/p><p data-start=\"470\" data-end=\"676\">Despite these worrying data, <strong data-start=\"504\" data-end=\"551\">survival rates continue to improve<\/strong>, which makes it more essential than ever to benefit from a <strong data-start=\"611\" data-end=\"646\">good critical illness insurance<\/strong> to cope with the unexpected.<\/p><p data-start=\"678\" data-end=\"917\">On this page you will find <strong data-start=\"709\" data-end=\"748\">all the necessary information<\/strong> on this type of insurance. And by filling out our form, you can obtain a <strong data-start=\"835\" data-end=\"884\">critical illness insurance without medical exam<\/strong> \u2013 <strong data-start=\"887\" data-end=\"916\">with guaranteed approval<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab31178 elementor-widget elementor-widget-image\" data-id=\"ab31178\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"515\" height=\"328\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/garantie-maladies-graves.webp\" class=\"attachment-large size-large wp-image-2374\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/garantie-maladies-graves.webp 515w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/garantie-maladies-graves-300x191.webp 300w\" sizes=\"(max-width: 515px) 100vw, 515px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a502dc elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2a502dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Have you ever been refused critical illness insurance in Quebec?\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bc5c41 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7bc5c41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"202\" data-end=\"503\">It's not uncommon for some insurers to require comprehensive medical examinations before allowing people to purchase critical illness insurance. As a result, many people are denied coverage, whether due to family history or test results.<\/p><p data-start=\"505\" data-end=\"559\"><strong data-start=\"505\" data-end=\"559\">If this has happened to you, you've come to the right place.<\/strong><\/p><p data-start=\"561\" data-end=\"805\">Because contrary to what one might believe, <strong data-start=\"610\" data-end=\"675\">Not all insurers in Quebec require medical tests<\/strong> to provide critical illness insurance. <strong data-start=\"721\" data-end=\"805\">Some offer guaranteed approval, regardless of health status.<\/strong><\/p><p data-start=\"807\" data-end=\"945\">How is this possible? Which insurers offer this type of coverage? What are the advantages of choosing this solution?<\/p><p data-start=\"947\" data-end=\"998\"><strong data-start=\"947\" data-end=\"998\">We explain everything in detail below.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8dd119 elementor-widget elementor-widget-image\" data-id=\"d8dd119\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"510\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-cancer-768x510-1.jpg\" class=\"attachment-large size-large wp-image-2382\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-cancer-768x510-1.jpg 768w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-cancer-768x510-1-300x199.jpg 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ce22cc elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"0ce22cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get critical illness insurance without a medical exam \u2013 with guaranteed approval!\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a12ee2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7a12ee2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"176\" data-end=\"363\">Thanks to our platform, it is now <strong data-start=\"219\" data-end=\"302\">possible to access critical illness insurance without undergoing a medical examination<\/strong>. Better yet: <strong data-start=\"319\" data-end=\"361\">your approval is 100% guaranteed<\/strong> !<\/p><p data-start=\"365\" data-end=\"538\">Whether you've already been denied or are looking for reliable and affordable coverage, <strong data-start=\"461\" data-end=\"489\">you are in the right place<\/strong> to find a solution adapted to your needs.<\/p><p data-start=\"540\" data-end=\"800\">You just need to fill in <strong data-start=\"566\" data-end=\"613\">our free, no-obligation form<\/strong>We will quickly put you in touch with one of our specialist partners, who will take the time to analyse your situation and offer you the most relevant options.<\/p><ul><li>100% free form<\/li><li>No medical exam required<\/li><li>No-obligation meeting with an expert<\/li><\/ul><p data-start=\"907\" data-end=\"1072\"><strong data-start=\"907\" data-end=\"936\">So what are you waiting for?<\/strong><br data-start=\"936\" data-end=\"939\" \/>Book an appointment now or read on to discover all the benefits of this insurance available to everyone.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d06bb3 elementor-widget elementor-widget-image\" data-id=\"0d06bb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"672\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-pret-couverture-itt-1240-1-1024x672.jpg\" class=\"attachment-large size-large wp-image-2389\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-pret-couverture-itt-1240-1-1024x672.jpg 1024w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-pret-couverture-itt-1240-1-300x197.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-pret-couverture-itt-1240-1-768x504.jpg 768w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-pret-couverture-itt-1240-1.jpg 1240w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28851e2 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"28851e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is critical illness insurance?\n <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-228140d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"228140d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"134\" data-end=\"335\">If you're not sure what critical illness insurance is, it's probably one of the most essential protections you can consider in your lifetime.<\/p><p data-start=\"337\" data-end=\"383\">But how does it work, in practice?<\/p><p data-start=\"385\" data-end=\"803\">Critical illness insurance can be defined as financial coverage that pays you a lump sum if you are diagnosed with a critical illness covered by your policy\u2014such as cancer, a stroke, or a heart attack. This sum can be used freely to cover your medical expenses, compensate for lost income, or meet any other financial needs during your recovery.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c8e8eaf e-con-full e-flex e-con e-child\" data-id=\"c8e8eaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cff9e20 e-con-full e-flex e-con e-child\" data-id=\"cff9e20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53d524a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"53d524a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"71\" data-end=\"299\"><strong>Critical illness insurance provides a tax-free lump sum payment if you are diagnosed with an illness covered by your policy and survive beyond the waiting period, generally set at 30 days.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5542f35 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5542f35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"117\" data-end=\"512\">In short, critical illness insurance is a protection for which you pay monthly premiums. It kicks in if you are diagnosed with a critical illness covered by your policy. To be eligible for the lump sum payment provided by your insurance\u2014a tax-free amount\u2014you must first survive the waiting period stipulated in your policy, usually 30 days.<\/p><p data-start=\"514\" data-end=\"659\">This time limit means that from the moment a diagnosis is made, you must survive a certain number of days before compensation is paid.<\/p><p data-start=\"661\" data-end=\"968\">Let's take a concrete example: you consult a doctor and are diagnosed with lung cancer, a disease included in your policy. It provides a capital sum of $75,000 and a 30-day waiting period. If you survive this period, you will receive the entire amount, tax-free.<\/p><p data-start=\"970\" data-end=\"1066\">It\u2019s that simple. The amount paid can then be used as needed to:<\/p><ul data-start=\"1068\" data-end=\"1343\"><li data-start=\"1068\" data-end=\"1123\"><p data-start=\"1070\" data-end=\"1123\">Cover medical treatments and medications;<\/p><\/li><li data-start=\"1124\" data-end=\"1183\"><p data-start=\"1126\" data-end=\"1183\">Compensate for loss of income due to work stoppage;<\/p><\/li><li data-start=\"1184\" data-end=\"1259\"><p data-start=\"1186\" data-end=\"1259\">Support your spouse who may have to take unpaid leave;<\/p><\/li><li data-start=\"1260\" data-end=\"1320\"><p data-start=\"1262\" data-end=\"1320\">Repay part or all of your mortgage;<\/p><\/li><li data-start=\"1321\" data-end=\"1343\"><p data-start=\"1323\" data-end=\"1343\">And much more.<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-630d842 elementor-widget elementor-widget-image\" data-id=\"630d842\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"533\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/pourquoi-prendre-assurance-maladies-graves-768x533-1.jpg\" class=\"attachment-large size-large wp-image-2396\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/pourquoi-prendre-assurance-maladies-graves-768x533-1.jpg 768w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/pourquoi-prendre-assurance-maladies-graves-768x533-1-300x208.jpg 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd982da elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"bd982da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the benefits of critical illness insurance?\n\n <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a90e759 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a90e759\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"163\" data-end=\"502\">Critical illness insurance offers many benefits, both financially and psychologically. It represents a real lifeline for many people facing difficult diagnoses. Here are some reasons why more and more people are choosing this type of protection with confidence:<\/p><ul data-start=\"504\" data-end=\"1875\"><li data-start=\"504\" data-end=\"684\"><p data-start=\"506\" data-end=\"684\"><strong data-start=\"506\" data-end=\"547\">Priceless peace of mind<\/strong> : In the event of a serious illness, you can fully concentrate on your recovery, without having to worry about your finances.<\/p><\/li><li data-start=\"685\" data-end=\"822\"><p data-start=\"687\" data-end=\"822\"><strong data-start=\"687\" data-end=\"726\">Compensation for loss of income<\/strong> : If you are unable to work, insurance can replace your income temporarily.<\/p><\/li><li data-start=\"823\" data-end=\"969\"><p data-start=\"825\" data-end=\"969\"><strong data-start=\"825\" data-end=\"856\">Protecting your savings<\/strong> : You don't need to dip into your savings to cover your medical or living expenses.<\/p><\/li><li data-start=\"970\" data-end=\"1103\"><p data-start=\"972\" data-end=\"1103\"><strong data-start=\"972\" data-end=\"1012\">Payment of a tax-free capital sum<\/strong> : The amount received is not subject to tax, which allows you to take full advantage of it.<\/p><\/li><li data-start=\"1104\" data-end=\"1250\"><p data-start=\"1106\" data-end=\"1250\"><strong data-start=\"1106\" data-end=\"1144\">Reimbursement of premiums possible<\/strong> : Some contracts include a premium refund clause if the insurance is never used.<\/p><\/li><li data-start=\"1251\" data-end=\"1397\"><p data-start=\"1253\" data-end=\"1397\"><strong data-start=\"1253\" data-end=\"1285\">Paying off your mortgage<\/strong> : The capital can be used to pay off your mortgage, thus reducing your monthly costs.<\/p><\/li><li data-start=\"1398\" data-end=\"1557\"><p data-start=\"1400\" data-end=\"1557\"><strong data-start=\"1400\" data-end=\"1429\">Bankruptcy Prevention<\/strong> : In case of high medical expenses or prolonged loss of income, insurance protects you against extreme debt.<\/p><\/li><li data-start=\"1558\" data-end=\"1703\"><p data-start=\"1560\" data-end=\"1703\"><strong data-start=\"1560\" data-end=\"1602\">Moral support for you and your loved ones<\/strong> : You and your spouse will benefit from valuable peace of mind during this trying time.<\/p><\/li><li data-start=\"1704\" data-end=\"1847\"><p data-start=\"1706\" data-end=\"1847\"><strong data-start=\"1706\" data-end=\"1745\">Evolution towards other protections<\/strong> : Some products allow you to convert your insurance into long-term care coverage.<\/p><\/li><li data-start=\"1848\" data-end=\"1875\"><p data-start=\"1850\" data-end=\"1875\"><strong data-start=\"1850\" data-end=\"1875\">And much more!<\/strong><\/p><\/li><\/ul><p data-start=\"1877\" data-end=\"2188\">In short, critical illness insurance offers robust protection against the financial consequences of a major health issue. It provides you with financial support to cover daily expenses and maintain your quality of life, without having to sacrifice your assets or incur debt.<\/p><p data-start=\"2190\" data-end=\"2307\">It\u2019s much more than just insurance: it\u2019s a human gesture, focused on your well-being and that of your loved ones.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f07bd1f elementor-widget elementor-widget-image\" data-id=\"f07bd1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"499\" height=\"333\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/RefletduLac_infoprimes.jpg\" class=\"attachment-large size-large wp-image-2398\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/RefletduLac_infoprimes.jpg 499w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/RefletduLac_infoprimes-300x200.jpg 300w\" sizes=\"(max-width: 499px) 100vw, 499px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eebd2e2 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"eebd2e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A client deemed uninsurable finally finds insurance thanks to our partners<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eed821f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"eed821f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"219\" data-end=\"342\">Some stories give us hope and show that we should never give up, even when everything seems impossible.<\/p><p data-start=\"344\" data-end=\"745\">One of our partners told us about his encounter with a client who, suffering from multiple sclerosis, was systematically refused \"critical illness\" insurance. Discouraged, he was convinced that no company would accept him. However, by simply filling out our form, he was able to connect with a specialized advisor who was able to find the coverage suited to his case.<\/p><p data-start=\"747\" data-end=\"1092\">How can we explain this success? Simply because not all advisors necessarily have the expertise or access to the tailor-made products needed to support atypical profiles. Our partners, on the other hand, are trained to resolve a wide variety of complex situations and offer solutions where others fail.<\/p><p data-start=\"1094\" data-end=\"1388\">If you too feel like you're at a dead end and no insurer wants to cover you for critical illness insurance, take a break and fill out our form. We'll put you in touch with a specialist who will review your file and find the best option for you!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbccf6f elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"cbccf6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why do financial planners recommend critical illness insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb741e4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"fb741e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1508\" data-end=\"1983\">In the past, a diagnosis of a serious illness often meant a low chance of survival. Today, medical science has made tremendous progress, and survival rates are significantly higher. However, without insurance, illness can lead to time off work, loss of income, and the need to dip into savings to fund treatment and rehabilitation. Upon recovery, many find they've depleted their savings, returning to their original goal.<\/p><p data-start=\"1985\" data-end=\"2367\" data-is-last-node=\"\" data-is-only-node=\"\">To prevent this scenario, financial planners strongly recommend critical illness insurance. In the event of a diagnosis, it pays benefits to compensate for lost income, thus avoiding having to touch your investments or personal savings. Rather than an expense, consider this insurance as a protective investment for your future!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b858b10 elementor-widget elementor-widget-image\" data-id=\"b858b10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"700\" height=\"427\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-font-image.webp\" class=\"attachment-large size-large wp-image-2402\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-font-image.webp 700w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-font-image-300x183.webp 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8132537 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"8132537\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Currently, benefits paid under critical illness insurance are not taxable!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f667568 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f667568\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"188\" data-end=\"330\">If, unfortunately, you were to be unable to work due to a serious illness, your insurance would then pay you benefits.<\/p><p data-start=\"332\" data-end=\"396\">But did you know that these amounts are not subject to tax?<\/p><p data-start=\"398\" data-end=\"645\">In fact, when the critical illness insurance contract meets the legal definition of health insurance, the Canada Revenue Agency considers them as non-taxable benefits, in accordance with the Income Tax Act.<\/p><p data-start=\"647\" data-end=\"790\">In other words, as long as the legal criteria are met, critical illness insurance benefits are paid to you tax-free.<\/p><p data-start=\"792\" data-end=\"933\">Note, however, that depending on the terms of the contract, a period of survival from the illness is generally required before payments begin.<\/p><p data-start=\"935\" data-end=\"1099\">These benefits can really make a big difference in helping you cover your bills, compensate for lost income, and fund your care and treatment.<\/p><p data-start=\"1101\" data-end=\"1273\">The key thing to remember: the amounts received following a diagnosis under this insurance will not be taxable and will not be considered income.<\/p><p data-start=\"1275\" data-end=\"1380\">To find out exactly how much you are entitled to, do not hesitate to consult your advisor.<\/p><p data-start=\"1382\" data-end=\"1501\">This way, you can fully focus on your recovery and your health \u2013 that\u2019s what really matters!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e08ac66 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"e08ac66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Critical illness insurance with premium refund clause<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30d5559 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"30d5559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"132\" data-end=\"382\">Purchasing critical illness insurance is arguably one of the best decisions (and investments) you can make. However, it's entirely possible that you'll never experience a critical illness in your lifetime.<\/p><p data-start=\"384\" data-end=\"500\">This is why some insurers now offer contracts including a premium reimbursement clause.<\/p><p data-start=\"502\" data-end=\"572\">What does this mean exactly? It's simple and beneficial.<\/p><p data-start=\"574\" data-end=\"725\">This clause allows you to recover part or all of the premiums you have paid, either if you cancel your contract or when it expires.<\/p><p data-start=\"727\" data-end=\"883\">In other words, if you never use your insurance, the insurer agrees to reimburse you for part or all of the sums you have paid.<\/p><p data-start=\"885\" data-end=\"1047\">Of course, this type of contract is generally more expensive than traditional critical illness insurance, but it represents an attractive option for many.<\/p><p data-start=\"1049\" data-end=\"1296\">In addition, the Canada Revenue Agency considers these refunds not to be taxable income, as long as their amount does not exceed the total premiums paid, which means that you will not pay tax on this refund.<\/p><p data-start=\"1298\" data-end=\"1327\">Interesting, isn't it?<\/p><p data-start=\"1329\" data-end=\"1445\">Please note, however, that if you use your insurance for a serious illness, this clause becomes void.<\/p><p data-start=\"1447\" data-end=\"1610\">In short, this product offers you slightly more expensive protection when you use it, but is much more economical if you never need it.<\/p><p data-start=\"1612\" data-end=\"1674\">It's up to you to decide if this option suits your needs!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b51a55f elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"b51a55f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Critical illness insurance with option to convert to long-term care insurance\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec1eaa8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ec1eaa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"139\" data-end=\"331\">There are critical illness insurance policies that offer a unique option: being able to convert them into long-term care insurance, without having to provide new evidence of insurability.<\/p><p data-start=\"333\" data-end=\"620\">This type of product is particularly attractive if you want to benefit from two types of coverage in one contract. You can convert your critical illness insurance to long-term care insurance at any time, while maintaining the same coverage amount.<\/p><p data-start=\"622\" data-end=\"802\">However, not all insurers offer this option, and being able to convert your policy will usually result in an increase in your monthly premium.<\/p><p data-start=\"804\" data-end=\"948\">That said, it is a practical possibility to know about, especially since this product is very popular with people aged 50 and over.<\/p><p data-start=\"950\" data-end=\"998\">Is this an option that might suit you?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a5b287 elementor-widget elementor-widget-image\" data-id=\"8a5b287\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"388\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-maladies-graves-transformation-soin-longue-duree-1.jpeg\" class=\"attachment-large size-large wp-image-2409\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-maladies-graves-transformation-soin-longue-duree-1.jpeg 600w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-maladies-graves-transformation-soin-longue-duree-1-300x194.jpeg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb735c1 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"eb735c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can I speed up the payment of my critical illness insurance premiums?\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94aa01a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"94aa01a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"134\" data-end=\"254\">Many people prefer not to spread the payment of their critical illness insurance over 20 years or more.<\/p><p data-start=\"256\" data-end=\"475\">Many people want to have their insurance fully paid for upon retirement, or even before. This raises the question: is it possible to accelerate the payment of critical illness insurance premiums?<\/p><p data-start=\"477\" data-end=\"497\">The answer is YES!<\/p><p data-start=\"499\" data-end=\"596\">You can absolutely choose to pay your premiums more quickly, for example over 10 to 15 years.<\/p><p data-start=\"598\" data-end=\"748\">Of course, this involves higher annual premiums, so it's important to assess whether this solution is truly beneficial for you.<\/p><p data-start=\"750\" data-end=\"904\">Before committing to accelerated prepayment, we strongly recommend that you consult an insurance advisor or financial planner.<\/p><p data-start=\"906\" data-end=\"1058\">These professionals will be able to analyze your situation and determine, based on your needs and objectives, if this option is the best for you.<\/p><p data-start=\"1060\" data-end=\"1107\">Is this a possibility that would interest you?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-556fe11 elementor-widget elementor-widget-image\" data-id=\"556fe11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-maladies-graves-accelerer-paiement-primes.jpeg\" class=\"attachment-large size-large wp-image-2410\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-maladies-graves-accelerer-paiement-primes.jpeg 600w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-maladies-graves-accelerer-paiement-primes-300x200.jpeg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efd7f32 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"efd7f32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Difference between life insurance and critical illness insurance\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44622db elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"44622db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"127\" data-end=\"398\">Although their names are different and their main function is quite clear, some people sometimes confuse life insurance and critical illness insurance, and do not always fully understand how the benefits associated with each work.<\/p><p data-start=\"400\" data-end=\"543\">To choose the protection best suited to your needs, it is therefore essential to understand how each type of insurance works.<\/p><p data-start=\"545\" data-end=\"702\">The aim of this section is to explain to you simply and clearly the specificities of each, so that you can measure their respective usefulness.<\/p><hr data-start=\"704\" data-end=\"707\" \/><h3 data-start=\"709\" data-end=\"728\">LIFE INSURANCE<\/h3><p data-start=\"730\" data-end=\"1148\">Life insurance provides protection in the event of death. Specifically, if you die, a lump sum will be paid to your beneficiaries, generally tax-free. This lump sum is not accessible to you during your lifetime. The primary goal of life insurance is to financially protect your loved ones, for example, by allowing them to repay any debts they may have or leave them an inheritance.<\/p><hr data-start=\"1150\" data-end=\"1153\" \/><h3 data-start=\"1155\" data-end=\"1186\">Critical illness insurance<\/h3><p data-start=\"1188\" data-end=\"1694\">Conversely, critical illness insurance covers you for the rest of your life. It kicks in if you're diagnosed with a serious illness. After a waiting period defined in your policy, you'll receive a lump sum directly, intended to compensate for a loss of income, cover your medical or other expenses, and prevent you from having to dip into your savings. For example, it can pay you a lump sum, such as $50,000, to help you get through this ordeal more peacefully.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2074af elementor-widget elementor-widget-image\" data-id=\"d2074af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"388\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-maladies-graves-transformation-soin-longue-duree-1.jpeg\" class=\"attachment-large size-large wp-image-2409\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-maladies-graves-transformation-soin-longue-duree-1.jpeg 600w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-maladies-graves-transformation-soin-longue-duree-1-300x194.jpeg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbfdf03 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"cbfdf03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The 25 most common serious illnesses in Quebec <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb01d82 elementor-widget elementor-widget-image\" data-id=\"cb01d82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"359\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/c-19-articlethumbnail-5-fr.jpeg\" class=\"attachment-large size-large wp-image-2412\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/c-19-articlethumbnail-5-fr.jpeg 640w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/c-19-articlethumbnail-5-fr-300x168.jpeg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2befbd0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2befbd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3><span data-darkreader-inline-color=\"\"><strong>#1\u00a0: Cancer<\/strong><\/span><\/h3><p>Cancer is a disease, also known as carcinoma, that is the abnormal or malignant growth of cells in the human body, which attack and destroy healthy tissue. Critical illness insurance normally covers all types of cancer, whether:<\/p><ul class=\"list\"><li>Leukemia<\/li><li>Lymphomas<\/li><li>Hodgkin's disease<\/li><li>HIV<\/li><li>Tumors<\/li><li>Melanomas<\/li><li>Sarcoma<\/li><li>Etc.<\/li><\/ul><p>Some non-critical and less serious types of cancer are not always covered by critical illness insurance, such as in situ cervical cancer. For insurance to recognize cancer, the insured must have received a formal tumor diagnosis from a doctor. The waiting (survival) period before receiving the capital from critical illness insurance in the case of cancer can be up to 90 days.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#2: Stroke<\/strong><\/span><\/h3><p>A stroke occurs when blood flow to the brain is significantly reduced due to a blood clot, blockage, or hemorrhage. A stroke typically causes permanent damage to the brain and can even affect certain functions later on. Depending on the part of the brain affected by the stroke, it can cause partial paralysis, impaired vision or speech, etc. For a critical illness life insurance policy to pay out the capital following a stroke, there must be a formal diagnosis explaining that the incident was caused by thrombosis, intracranial hemorrhage, or extracranial embolism. The survival period before receiving the capital is generally 30 days.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#3: Heart Attack<\/strong><\/span><\/h3><p>A heart attack (also known as a myocardial infarction or coronary thrombosis) usually occurs when a clot blocks an artery in the heart, blocking blood flow to the heart. A heart attack can lead to death, but it can also cause the death of part of the heart muscle if the patient survives. To receive the benefit following a heart attack, the insured must survive for 30 days after the onset of the illness.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#4: Coma<\/strong><\/span><\/h3><p>Coma may also be covered by critical illness insurance and is generally defined as a loss of consciousness with no response to external stimuli or internal needs for a period of at least 96 hours. Comas resulting from drug or alcohol abuse, or those induced medically, are often not covered by critical illness insurance.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#5: Severe burns at 3<sup>e<\/sup>\u00a0E degree<\/strong><\/span><\/h3><p>Severe burns may also be covered. Severe burns are considered when a formal diagnosis establishes that you have burns to the 3<sup>e<\/sup>\u00a0degree on at least 20% of your body surface. Obviously, this diagnosis must be made by a professional.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#6: Aplastic anemia<\/strong><\/span><\/h3><p>This is a chronic, persistent bone marrow failure that can lead to neutropenia, anemia, and thrombocytopenia. This will require a blood transfusion and one of the following treatments: bone marrow transplantation, bone marrow stimulation, and immunosuppression.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#7: Blindness (loss of sight)<\/strong><\/span><\/h3><p>Blindness is defined as the total and irreversible loss of sight in both eyes. A specialist must then certify that:<\/p><ul class=\"list\"><li>Corrected visual acuity is 20\/200 for both eyes<\/li><\/ul><p><em>OR<\/em><\/p><ul class=\"list\"><li>The visual field is less than 20 degrees for both eyes<\/li><\/ul><p>\u00a0<\/p><h3><strong><span data-darkreader-inline-color=\"\">#8: Aortic Surgery<\/span><\/strong><\/h3><p>This is a surgical procedure that primarily treats aortic disease by removing and replacing part of the aorta with a graft. The term \"aorta\" includes the thoracic and abdominal aorta, but does not include branches of the aorta. To receive the benefit covered by critical illness insurance, the insured must survive at least 30 days after surgery.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#9: Vital organ failure and waiting list<\/strong><\/span><\/h3><p>Critical illness insurance may also cover the failure of any of the following vital organs:<\/p><ul class=\"list\"><li>The heart<\/li><li>Both lungs<\/li><li>The liver<\/li><li>Both kidneys<\/li><li>Bone marrow<\/li><\/ul><p>To be covered, the insured must not only experience a failure, but also be on a waiting list for a transplant in a recognized transplant program in Canada or the United States. The diagnosis of failure must be made by a specialist and it is important to find out the conditions that apply with your insurer to be sure you have the right protection.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#10: Dementia and Alzheimer's<\/strong><\/span><\/h3><p>Dementia and Alzheimer's are defined as the progressive deterioration of memory, as well as a cognitive disturbance (at least one) among the following:<\/p><ul class=\"list\"><li>Agnosia, or difficulty recognizing objects<\/li><li>Aphasia, or difficulty speaking<\/li><li>Apraxia, or difficulty performing everyday tasks<\/li><li>Inability to perform executive functions that affect daily life<\/li><\/ul><p>Many conditions may apply in a critical illness insurance contract regarding this illness, so take the time to discuss them with your insurer.<\/p><p>\u00a0<\/p><h3><strong><span data-darkreader-inline-color=\"\">#11: Benign brain tumor<\/span><\/strong><\/h3><p>A benign brain tumor is a non-malignant tumor found in the skull and limited to the brain, meninges, cranial nerves, or pituitary gland. Diagnosis of a benign brain tumor often requires surgery or even radiation therapy, which can cause irreversible neurological deficits.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#12: Multiple Sclerosis<\/strong><\/span><\/h3><p>Multiple sclerosis is a complex disease of the nervous system. A diagnosis must demonstrate at least two clinical episodes of disseminated demyelinating plaques, or abnormalities persisting for 6 months, or finally disseminated demyelinating plaques appearing at intervals.<\/p><p>This more complex disease is subject to many conditions, and you would be well advised to speak with your insurer if you want to know the exact conditions included in your contract.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#13: Loss of limbs\u00a0<\/strong><\/span><\/h3><p>Critical illness insurance can cover the loss of limbs, but there are conditions. Generally, there must be a diagnosis establishing that, following an accident, the insured has suffered the complete separation of two limbs (feet or hands), starting at the wrist or ankle. Limb loss can also be due to amputation when medically necessary.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#14: Deafness (hearing loss)<\/strong><\/span><\/h3><p>Deafness occurs when the insured suffers a total and irreversible loss of hearing in BOTH ears. The hearing threshold must be 90 decibels or more within a speech intensity threshold of 500 to 3000 hertz. In short, the deafness must be complete and irreversible to qualify for a claim.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#15: Heart Valve Repair or Replacement<\/strong><\/span><\/h3><p>This is a surgical procedure that replaces a heart valve with a new natural or mechanical valve. The procedure can also correct defects and abnormalities in a heart valve. To be eligible for a claim, the surgery must have been deemed medically necessary by a specialist and the insured must survive 30 days after surgery.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#16: Coronary artery bypass surgery<\/strong><\/span><\/h3><p>This is a surgical procedure that essentially aims to correct the obstruction or narrowing of one or more coronary arteries by one or more grafts. Again, the surgery must be deemed medically necessary and the insured must survive 30 days after surgery to obtain the capital from their critical illness insurance.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#17: Vital organ transplant<\/strong><\/span><\/h3><p>Following failure of a vital organ, surgery may be necessary to transplant a new organ from among the following:<\/p><ul class=\"list\"><li>heart<\/li><li>Two lungs<\/li><li>Liver<\/li><li>Bone marrow<\/li><li>Two kidneys<\/li><\/ul><p>In order to be eligible for the critical illness insurance coverage capital, the insured must receive a transplant of one of these organs.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#18: Motor neuron diseases<\/strong><\/span><\/h3><p>There are several motor neuron diseases that can be covered by critical illness insurance in Quebec. Here is a list of the main ones that are covered by insurers:<\/p><ul class=\"list\"><li>Primary lateral sclerosis<\/li><li>Pseudobulbar palsy<\/li><li>Progressive muscular atrophy<\/li><li>Progressive bulbar palsy<\/li><li>Amyotrophic lateral sclerosis (ALS\/Lou Gehrig's disease)<\/li><\/ul><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#19: HIV infection in the workplace<\/strong><\/span><\/h3><p>HIV may be covered under some critical illness insurance policies when the illness is contracted at work through an accident resulting in accidental injury that exposed the insured to HIV-contaminated fluids.<\/p><p>Obviously, this is not a very common illness, but it is on the lists of many insurers in Quebec, and it is therefore important to mention it.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#20: Purulent meningitis<\/strong><\/span><\/h3><p>Meningitis is characterized by the formation of cerebrospinal fluid and the growth of pathogenic bacteria, leading to neurological impairment. Insurers often distinguish between purulent meningitis and viral meningitis, and do not cover the latter. Purulent meningitis often requires documentation by a specialist for a period of 90 days following the date of diagnosis, so it is a complex disease that attacks the meninges and can have serious consequences.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#21: Kidney failure<\/strong><\/span><\/h3><p>It is a chronic failure of both kidneys requiring regular hemodialysis, peritoneal dialysis, or a kidney transplant. It is a serious disease that must be diagnosed by a specialist.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#22: Paralysis<\/strong><\/span><\/h3><p>Paralysis is generally defined as the complete loss of muscle function in at least two limbs of the body as a result of injury or disease. The period of loss of control of muscle function in the limbs must be at least 90 days after the accident or event that gave rise to the diagnosis.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#23: Parkinson's disease<\/strong><\/span><\/h3><p>Parkinson's disease is a lifelong neurological disorder characterized by bradykinesia (slow movements) and at least one of the following symptoms:<\/p><ul class=\"list\"><li>Muscle rigidity<\/li><li>Tremors at rest<\/li><\/ul><p>Parkinson's syndrome may also be covered by critical illness insurance. Check with your insurer for details.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#24: Loss of autonomy<\/strong><\/span><\/h3><p>An official and formal diagnosis of loss of autonomy indicates a total inability of the insured to carry out at least 2 of the 6 daily activities presented below, for a period of at least 90 days without reasonable hope of recovery.<\/p><p>The 6 daily activities generally stated:<\/p><ol class=\"list\"><li>Feed yourself<\/li><li>Wash<\/li><li>Get dressed<\/li><li>Get dressed<\/li><li>Bouger normalement<\/li><li>Continence control<\/li><\/ol><p>A person should normally be able to perform these 6 activities: eating, washing, dressing, using the toilet, getting out of bed, moving normally, and controlling urination and bowel movements. If a person becomes unable to perform 2 of these 6 activities, they may be diagnosed as having a loss of autonomy. Some critical illness insurance policies cover this condition.<\/p><p>\u00a0<\/p><h3><span data-darkreader-inline-color=\"\"><strong>#25: Loss of speech<\/strong><\/span><\/h3><p>This is the total and irreversible loss of speech, that is, the ability to speak and make sounds as a result of injury, accident, or illness. The period must be 180 days for the diagnosis of speech loss to take effect normally.<\/p><p>Obviously, some contracts may vary this period, but a specialist must always provide an official diagnosis stating that the insured has indeed lost the ability to speak.<\/p><p>\u00a0<\/p><h2><strong>Survival rates for critical illnesses are increasing in Canada<\/strong><\/h2><p><strong><span data-darkreader-inline-color=\"\">According to statistics dating back to 2008, it was estimated that 60% of Canadians diagnosed with cancer would survive 5 years or more after receiving their diagnosis.<\/span><\/strong><\/p><p>Since then, despite the fact that cancer seems to affect more and more people, survival rates have been increasing positively every year.<\/p><p>Already between 1992 and 2008, the survival rate for all cancers combined increased from 53% to 60% according to the\u00a0<a href=\"https:\/\/www.cancer.ca\/fr-ca\/cancer-information\/cancer-101\/cancer-statistics-at-a-glance\/?region=mb\" target=\"_blank\" rel=\"noopener\">Canadian Cancer Society<\/a>Currently, this rate is even higher and with the miracles of modern medicine, survival rates for most serious illnesses in Canada are likely to increase further in the coming years.<\/p><p>That's why it's more important than ever to have critical illness insurance that will get you through the illness and out of it without having squandered all your savings trying to survive while your employment income was lacking.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b00c6b7 elementor-widget elementor-widget-image\" data-id=\"b00c6b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"394\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/taux-survie-maladies-grave-augmente.jpeg\" class=\"attachment-large size-large wp-image-2417\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/taux-survie-maladies-grave-augmente.jpeg 600w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/taux-survie-maladies-grave-augmente-300x197.jpeg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89caa86 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"89caa86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2 in 5 Canadians will be affected by cancer during their lifetime\n\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c13a614 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c13a614\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"128\" data-end=\"317\">According to the Canadian Cancer Society, nearly one in two Canadians will develop cancer during their lifetime, with an estimated probability of 45% for women and 49% for men.<\/p><p data-start=\"319\" data-end=\"422\">This high statistic explains why cancer is one of the most discussed diseases in 2019.<\/p><p data-start=\"424\" data-end=\"556\">Furthermore, in 2012, it was estimated that one in four Canadians would die from cancer (28% of men and 24% of women).<\/p><p data-start=\"558\" data-end=\"717\">We note that men have a slightly higher risk than women. Here are some other key figures regarding cancer in Canada.<\/p><hr data-start=\"719\" data-end=\"722\" \/><p data-start=\"724\" data-end=\"794\"><strong data-start=\"724\" data-end=\"794\">Some statistics on cancer (Canadian Cancer Society)<\/strong><\/p><p data-start=\"796\" data-end=\"878\">The Canadian Cancer Society released new data in 2017, including:<\/p><ul data-start=\"880\" data-end=\"1520\"><li data-start=\"880\" data-end=\"989\"><p data-start=\"882\" data-end=\"989\">In 2017, approximately 103,100 men were diagnosed with cancer, with 42,600 deaths related to the disease.<\/p><\/li><li data-start=\"990\" data-end=\"1074\"><p data-start=\"992\" data-end=\"1074\">For women, 103,200 cancer diagnoses were made, with 38,200 deaths.<\/p><\/li><li data-start=\"1075\" data-end=\"1149\"><p data-start=\"1077\" data-end=\"1149\">On average, 565 Canadians learn they have cancer every day.<\/p><\/li><li data-start=\"1150\" data-end=\"1211\"><p data-start=\"1152\" data-end=\"1211\">Every day, on average, 221 Canadians die from cancer.<\/p><\/li><li data-start=\"1212\" data-end=\"1283\"><p data-start=\"1214\" data-end=\"1283\">Every day, on average, 221 Canadians die from cancer.<\/p><\/li><li data-start=\"1284\" data-end=\"1362\"><p data-start=\"1286\" data-end=\"1362\">Prostate cancer accounts for 21% of new cases in men.<\/p><\/li><li data-start=\"1363\" data-end=\"1435\"><p data-start=\"1365\" data-end=\"1435\">Lung cancer accounts for 14% of all new diagnoses.<\/p><\/li><li data-start=\"1436\" data-end=\"1520\"><p data-start=\"1438\" data-end=\"1520\">The number of diagnoses is increasing, but survival rates are also improving.<\/p><\/li><\/ul><hr data-start=\"1522\" data-end=\"1525\" \/><p data-start=\"1527\" data-end=\"1592\"><strong data-start=\"1527\" data-end=\"1592\">Statistics on deaths from critical illnesses in Canada<\/strong><\/p><p data-start=\"1594\" data-end=\"1944\">Many Canadians still underestimate the impact of serious illnesses on the causes of death. According to a 2012 graph from the Canadian Cancer Society, cancer alone accounts for 30.2% of deaths. When combined with cardiovascular disease, these two conditions account for approximately half of all deaths in Canada.<\/p><p data-start=\"1946\" data-end=\"2055\">Other serious illnesses account for about 25% of deaths, while the remainder come from other causes.<\/p><p data-start=\"2057\" data-end=\"2350\">Overall, critical illnesses account for approximately 75% of deaths in the country. Despite this, medical advances have improved survival rates for many of these illnesses, and having good insurance can provide valuable short- and long-term protection against these risks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d891b7c elementor-widget elementor-widget-image\" data-id=\"d891b7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"432\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/statistiques-cancer-maladies-graves-canada.png\" class=\"attachment-large size-large wp-image-2418\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/statistiques-cancer-maladies-graves-canada.png 600w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/statistiques-cancer-maladies-graves-canada-300x216.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e52ea9 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"9e52ea9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">In Canada, someone has a stroke every 7 minutes.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-559543e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"559543e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"233\" data-end=\"374\">Strokes are a major cause of death in the country, but survival rates remain encouraging.<\/p><p data-start=\"376\" data-end=\"528\">According to the Heart and Stroke Foundation, each year, approximately 165,000 Canadians are affected by a heart attack, cardiac arrest or stroke.<\/p><p data-start=\"530\" data-end=\"672\">Regular physical activity is also recognized as one of the most effective ways to prevent these cardiovascular diseases.<\/p><p data-start=\"674\" data-end=\"910\">With survival rates constantly improving, having insurance becomes even more crucial. This provides financial support to rest and recover before returning to normal life.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f54e1e0 elementor-widget elementor-widget-image\" data-id=\"f54e1e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"635\" height=\"357\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/150902_xv5u7_femme__malade_fin_de_vie_sn635.avif\" class=\"attachment-large size-large wp-image-2422\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/150902_xv5u7_femme__malade_fin_de_vie_sn635.avif 635w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/150902_xv5u7_femme__malade_fin_de_vie_sn635-300x169.avif 300w\" sizes=\"(max-width: 635px) 100vw, 635px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03b1a6e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"03b1a6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Did you know that half of all home foreclosures in Canada are related to critical illness?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f486b3a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f486b3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"68\" data-end=\"383\">According to the Canada Mortgage and Housing Corporation (CMHC), <strong data-start=\"233\" data-end=\"266\">50% of real estate seizures<\/strong> occur following a serious illness that has caused major financial upheaval in the household concerned.<\/p><p data-start=\"385\" data-end=\"493\">If you still think the financial consequences of a health problem are minor, think again.<\/p><p data-start=\"495\" data-end=\"648\">The loss of income of just one spouse, caused by a prolonged illness, can be enough to plunge a family into debt... even losing their home.<\/p><p data-start=\"650\" data-end=\"692\">The CMHC figures are proof of this.<\/p><p data-start=\"694\" data-end=\"1026\">This is why many financial planners strongly advise families to take out a <strong data-start=\"811\" data-end=\"852\">critical illness or disability insurance<\/strong>Adequate coverage can make all the difference, protecting you against sudden loss of income and preventing your home from being repossessed by the bank.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49ba5d0 elementor-widget elementor-widget-image\" data-id=\"49ba5d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/maladies-graves-logements-eviction-statistiques.jpeg\" class=\"attachment-large size-large wp-image-2426\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/maladies-graves-logements-eviction-statistiques.jpeg 600w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/maladies-graves-logements-eviction-statistiques-300x200.jpeg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1864657 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"1864657\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nearly 40% of Canadians would be unable to cover their bills in the event of a critical illness<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eddf0f3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"eddf0f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"187\" data-end=\"404\">This surprising and worrying figure highlights a troubling reality: a large proportion of Canadian households are underinsured. Critical illness insurance is therefore not a luxury, but a necessity.<\/p><p data-start=\"406\" data-end=\"577\">In fact, if one spouse were to stop working due to a serious illness, 4 out of 10 Canadians would not be able to meet their financial obligations.<\/p><p data-start=\"579\" data-end=\"775\">This situation is consistent with CMHC data, which reveals that nearly half of home foreclosures in Canada are related to a serious illness. An alarming and sobering statistic.<\/p><p data-start=\"777\" data-end=\"1059\">So, the question is: would you rather save a few dollars a month by forgoing insurance, at the risk of losing everything if something goes wrong? Or are you willing to invest a small monthly amount to protect your family and maintain your peace of mind?<\/p><p data-start=\"1061\" data-end=\"1152\">Because good insurance is more than an expense\u2014it\u2019s essential protection.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86136fa elementor-widget elementor-widget-image\" data-id=\"86136fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"334\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Valeur-Assuree-Assurance-salaire-et-ou-assurance-invalidite.jpeg\" class=\"attachment-large size-large wp-image-2427\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Valeur-Assuree-Assurance-salaire-et-ou-assurance-invalidite.jpeg 500w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/Valeur-Assuree-Assurance-salaire-et-ou-assurance-invalidite-300x200.jpeg 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa0e6ae elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"aa0e6ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key data on the critical illness insurance market in Canada<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f0a63e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4f0a63e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"135\" data-end=\"390\">Relevant statistics provide insight into the issues surrounding critical illness insurance in Canada. To shed light on this topic, we relied on a research report published in July 2012 by the Canadian Institute of Actuaries.<\/p><p data-start=\"392\" data-end=\"489\"><strong data-start=\"392\" data-end=\"489\">How many illnesses are typically covered by critical illness insurance in Canada?<\/strong><\/p><p data-start=\"491\" data-end=\"764\">To assess whether your policy provides adequate coverage, it is helpful to know the national average. According to the Munich Re. Personal Insurance Survey conducted in 2010, critical illness insurance policies cover, on average, <strong data-start=\"739\" data-end=\"763\">25 serious conditions<\/strong>.<\/p><p data-start=\"766\" data-end=\"937\">However, this coverage can vary considerably: some contracts only include <strong data-start=\"858\" data-end=\"872\">3 diseases<\/strong>, while the most complete ones can cover <strong data-start=\"922\" data-end=\"936\">up to 30<\/strong>.<\/p><p data-start=\"939\" data-end=\"1151\">Of course, the more illnesses a policy covers, the higher the premium will generally be. However, it is important to highlight the significant differences between the different types of contracts offered on the market.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25719a2 elementor-widget elementor-widget-image\" data-id=\"25719a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/statistiques-canada.jpeg\" class=\"attachment-large size-large wp-image-2429\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/statistiques-canada.jpeg 600w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/statistiques-canada-300x150.jpeg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c361835 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"c361835\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"79\" data-end=\"171\">What is the average amount of coverage for critical illness insurance in Canada?<\/h3><p data-start=\"172\" data-end=\"213\">And how much coverage can you get?<\/p><p data-start=\"215\" data-end=\"375\">The maximum amount of critical illness insurance coverage in Canada can reach approximately <strong data-start=\"310\" data-end=\"325\">2 500 000 $<\/strong>, although this limit varies between insurers.<\/p><p data-start=\"377\" data-end=\"668\">However, it is interesting to note that in <strong data-start=\"422\" data-end=\"430\">2009<\/strong>, the <strong data-start=\"435\" data-end=\"466\">average amount of coverage<\/strong> was from <strong data-start=\"476\" data-end=\"488\">84 000 $<\/strong>This shows that the majority of Canadians opt for less protection than <strong data-start=\"572\" data-end=\"585\">100 000 $<\/strong>, an amount generally sufficient to cover <strong data-start=\"634\" data-end=\"667\">1 to 2 years of average salary<\/strong>.<\/p><hr data-start=\"670\" data-end=\"673\" \/><h3 data-start=\"675\" data-end=\"766\">At what age do Canadians typically purchase critical illness insurance?<\/h3><p data-start=\"767\" data-end=\"806\">And what is the ideal age to think about it?<\/p><p data-start=\"808\" data-end=\"1000\">Experts recommend considering critical illness insurance whenever you have significant financial responsibilities, such as <strong data-start=\"943\" data-end=\"967\">buying a house<\/strong> or <strong data-start=\"971\" data-end=\"999\">the birth of a child<\/strong>.<\/p><p data-start=\"1002\" data-end=\"1120\">According to 2009 data, the<strong data-start=\"1033\" data-end=\"1046\">middle age<\/strong> of people who subscribed to this type of insurance was <strong data-start=\"1107\" data-end=\"1119\">34.5 years old<\/strong>.<\/p><hr data-start=\"1122\" data-end=\"1125\" \/><h3 data-start=\"1127\" data-end=\"1224\">Are critical illness insurance plans with premium refunds popular in Canada?<\/h3><p data-start=\"1226\" data-end=\"1428\">Some contracts include an option to <strong data-start=\"1278\" data-end=\"1309\">recover the premiums paid<\/strong> if no claims are made during the entire term of coverage. This type of contract is quite popular.<\/p><p data-start=\"1430\" data-end=\"1655\">According to a study conducted by <strong data-start=\"1456\" data-end=\"1477\">Munich Re in 2010<\/strong>, <strong data-start=\"1479\" data-end=\"1487\">67 %<\/strong> of critical illness insurance sold in Canada included a <strong data-start=\"1552\" data-end=\"1589\">premium refund option<\/strong>. In other words, <strong data-start=\"1606\" data-end=\"1626\">2 out of 3 contracts<\/strong> offered this possibility.<\/p><hr data-start=\"1657\" data-end=\"1660\" \/><h3 data-start=\"1662\" data-end=\"1762\">What are the most commonly reported critical illnesses in claims in Canada?<\/h3><p data-start=\"1764\" data-end=\"1944\">According to data from the Canadian Institute of Actuaries, based on a survey of <strong data-start=\"1846\" data-end=\"1859\">Munich Re<\/strong>, the <strong data-start=\"1864\" data-end=\"1874\">cancer<\/strong> represents the majority of critical illness insurance claims.<\/p><ul data-start=\"1946\" data-end=\"2049\"><li data-start=\"1946\" data-end=\"1997\"><p data-start=\"1948\" data-end=\"1997\"><strong data-start=\"1948\" data-end=\"1956\">68 %<\/strong> claims related to cancer.<\/p><\/li><li data-start=\"1998\" data-end=\"2049\"><p data-start=\"2000\" data-end=\"2049\"><strong data-start=\"2000\" data-end=\"2008\">13 %<\/strong> were linked to a <strong data-start=\"2029\" data-end=\"2048\">heart attack<\/strong>.<\/p><\/li><\/ul><p data-start=\"2051\" data-end=\"2278\">These figures are taken from the analysis of <strong data-start=\"2091\" data-end=\"2113\">4,700 complaints<\/strong> settled before 2009. This observation highlights not only the prevalence of cancer, but also the relevance of having coverage adapted to these major risks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-079ad94 elementor-widget elementor-widget-image\" data-id=\"079ad94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"393\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/graphique-assurance-maladies-graves.jpg\" class=\"attachment-large size-large wp-image-2433\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/graphique-assurance-maladies-graves.jpg 600w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/graphique-assurance-maladies-graves-300x197.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc4e1cc elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"dc4e1cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4 data-start=\"62\" data-end=\"150\"><strong data-start=\"62\" data-end=\"150\">What is the waiting period (or survival period) in critical illness insurance?<\/strong><\/h4><p data-start=\"152\" data-end=\"366\">When you buy critical illness insurance, you will frequently hear about <strong data-start=\"244\" data-end=\"263\">waiting time<\/strong>, also called <strong data-start=\"278\" data-end=\"297\">survival time<\/strong>But what exactly is it? And how long does it last?<\/p><p data-start=\"368\" data-end=\"573\">In simple terms, this period corresponds to the number of days you owe <strong data-start=\"441\" data-end=\"473\">survive after diagnosis<\/strong> of an illness covered by the contract before being able to receive the <strong data-start=\"541\" data-end=\"572\">payment of the insured capital<\/strong>.<\/p><p data-start=\"575\" data-end=\"747\">Generally, this period is <strong data-start=\"605\" data-end=\"617\">30 day<\/strong> for most illnesses. However, in some cases such as a cancer diagnosis, it can extend to <strong data-start=\"734\" data-end=\"746\">90 day<\/strong>.<\/p><p data-start=\"749\" data-end=\"910\">In other words, you must remain alive during this period (30 or 90 days depending on the illness) for the insurer to pay the planned benefit.<\/p><p data-start=\"912\" data-end=\"1361\">This may seem surprising, but this operation is <strong data-start=\"969\" data-end=\"1015\">standardized by the majority of insurers<\/strong>. Nevertheless, <strong data-start=\"1028\" data-end=\"1083\">Delivery times may vary from one company to another<\/strong>, this is why it is essential to <strong data-start=\"1120\" data-end=\"1143\">compare offers<\/strong> before making your choice. The ideal is to <strong data-start=\"1187\" data-end=\"1226\">consult at least three companies<\/strong> with the help of a broker to find <strong data-start=\"1266\" data-end=\"1360\">insurance with the best value for money and the most advantageous waiting period<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-805e168 elementor-widget elementor-widget-image\" data-id=\"805e168\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/planificateur-financier-assurance-maladies-graves-1.jpeg\" class=\"attachment-large size-large wp-image-2441\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/planificateur-financier-assurance-maladies-graves-1.jpeg 600w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/planificateur-financier-assurance-maladies-graves-1-300x200.jpeg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-38032e5 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"38032e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4 data-start=\"64\" data-end=\"150\"><strong data-start=\"64\" data-end=\"150\">Surviving a stroke or cancer: increasingly encouraging prospects<\/strong><\/h4><p data-start=\"152\" data-end=\"334\">Data released in 2017 by the Heart and Stroke Foundation reveals an optimistic trend in survival rates for people with stroke and cancer in Canada.<\/p><p data-start=\"336\" data-end=\"608\">When it comes to strokes, the numbers are impressive: 85% of Canadians survive a first stroke. Despite the severity and frequency of this condition, the vast majority of patients survive, which is very reassuring.<\/p><p data-start=\"610\" data-end=\"859\">On the cancer side, according to the same source, the survival rate for all types of cancer combined reached 62% in 2017. This statistic is constantly increasing, even though the number of diagnoses continues to rise.<\/p><p data-start=\"861\" data-end=\"1120\">Taking out critical illness insurance can help you face these eventualities with peace of mind. If you are diagnosed, you could benefit from valuable financial support without having to worry about the financial consequences of the illness.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f589b48 elementor-widget elementor-widget-image\" data-id=\"f589b48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"612\" height=\"408\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/istockphoto-897271658-612x612-1.jpg\" class=\"attachment-large size-large wp-image-2443\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/istockphoto-897271658-612x612-1.jpg 612w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/istockphoto-897271658-612x612-1-300x200.jpg 300w\" sizes=\"(max-width: 612px) 100vw, 612px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ee5595 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3ee5595\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What factors influence the cost of critical illness insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cc53a4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3cc53a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"202\" data-end=\"350\">Do all insurance companies offer the same rates for a similar critical illness insurance policy? The answer is no!<\/p><p data-start=\"352\" data-end=\"598\">In Quebec, several factors can affect the amount of your critical illness insurance premium. To better understand what can increase or decrease the cost of this coverage, here are the 8 main elements to consider:<\/p><ul data-start=\"600\" data-end=\"855\"><li data-start=\"600\" data-end=\"616\"><p data-start=\"602\" data-end=\"616\"><strong data-start=\"602\" data-end=\"616\">The insurer<\/strong><\/p><\/li><li data-start=\"617\" data-end=\"632\"><p data-start=\"619\" data-end=\"632\"><strong data-start=\"619\" data-end=\"632\">your age<\/strong><\/p><\/li><li data-start=\"633\" data-end=\"663\"><p data-start=\"635\" data-end=\"663\"><strong data-start=\"635\" data-end=\"663\">Gender (male or female)<\/strong><\/p><\/li><li data-start=\"664\" data-end=\"701\"><p data-start=\"666\" data-end=\"701\"><strong data-start=\"666\" data-end=\"701\">The amount of coverage chosen<\/strong><\/p><\/li><li data-start=\"702\" data-end=\"728\"><p data-start=\"704\" data-end=\"728\"><strong data-start=\"704\" data-end=\"728\">Your lifestyle habits<\/strong><\/p><\/li><li data-start=\"729\" data-end=\"755\"><p data-start=\"731\" data-end=\"755\"><strong data-start=\"731\" data-end=\"755\">Smoker or non-smoker<\/strong><\/p><\/li><li data-start=\"756\" data-end=\"796\"><p data-start=\"758\" data-end=\"796\"><strong data-start=\"758\" data-end=\"796\">Family medical history<\/strong><\/p><\/li><li data-start=\"797\" data-end=\"855\"><p data-start=\"799\" data-end=\"855\"><strong data-start=\"799\" data-end=\"855\">Additional options included in the contract<\/strong><\/p><\/li><\/ul><p data-start=\"857\" data-end=\"1111\">The first factor to consider is <strong data-start=\"900\" data-end=\"914\">the insurer<\/strong> himself. Indeed, rates vary from one company to another, even for equivalent protections. It is therefore essential to shop around and compare offers to get the best premium.<\/p><p data-start=\"1113\" data-end=\"1403\"><strong data-start=\"1113\" data-end=\"1122\">Age<\/strong> also plays an important role: the older you are, the greater the risk of developing a serious illness, which is reflected in the cost of the premium. Similarly, <strong data-start=\"1288\" data-end=\"1357\">men are generally at greater risk than women<\/strong>, which may result in a higher premium.<\/p><p data-start=\"1405\" data-end=\"1549\"><strong data-start=\"1405\" data-end=\"1433\">The amount of coverage<\/strong> chosen directly influences the cost of your insurance: the greater the protection, the higher the premium will be.<\/p><p data-start=\"1551\" data-end=\"1812\">Your <strong data-start=\"1555\" data-end=\"1575\">lifestyle habits<\/strong> are also taken into account. Regular consumption of alcohol or drugs can increase the premium. The <strong data-start=\"1687\" data-end=\"1700\">smoking<\/strong> is particularly penalizing, because it considerably increases the risk of serious illnesses such as cancer.<\/p><p data-start=\"1814\" data-end=\"2121\">In some cases, <strong data-start=\"1833\" data-end=\"1871\">family medical history<\/strong> can also play a role, especially if you opt for a contract with significant coverage. Finally, <strong data-start=\"1980\" data-end=\"2011\">additional options<\/strong> that you add to the contract (additional guarantees, assistance, etc.) also influence the final cost.<\/p><hr data-start=\"2123\" data-end=\"2126\" \/><h3 data-start=\"2128\" data-end=\"2191\">6 Common Myths About Critical Illness Insurance in Quebec<\/h3><p data-start=\"2193\" data-end=\"2369\">Now that you have a good understanding of how critical illness insurance works, it's time to shed light on some persistent myths about it.<\/p><p data-start=\"2371\" data-end=\"2546\">Although it is recommended by many experts for its ability to cover real risk in an affordable manner, <strong data-start=\"2489\" data-end=\"2545\">Critical illness insurance is often misunderstood<\/strong>.<\/p><p data-start=\"2548\" data-end=\"2771\">Some people spread misconceptions, sometimes unintentionally. Others mistakenly believe they are already adequately protected, when in reality they have no specific coverage against serious illnesses.<\/p><p data-start=\"2773\" data-end=\"3042\">So here is <strong data-start=\"2784\" data-end=\"2825\">the 6 most widespread misconceptions<\/strong> about this type of insurance in Quebec. The goal? To help you see things clearly and avoid being influenced by what is said in office discussions or well-intentioned but erroneous advice.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0e67e4 elementor-widget elementor-widget-image\" data-id=\"f0e67e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"338\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-maladies-graves-mythes.jpeg\" class=\"attachment-large size-large wp-image-2447\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-maladies-graves-mythes.jpeg 600w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/assurance-maladies-graves-mythes-300x169.jpeg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f246bb elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5f246bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"103\" data-end=\"166\"><strong data-start=\"107\" data-end=\"166\">#1: My group insurance at work already covers me<\/strong><\/h3><p data-start=\"168\" data-end=\"333\">It's true that many employers offer group insurance. However, not all of them necessarily include critical illness coverage.<\/p><p data-start=\"335\" data-end=\"511\">Even if you think you're covered, it's important to read your policy carefully. In reality, few group plans include critical illness insurance.<\/p><p data-start=\"513\" data-end=\"825\">If you find that this protection is missing from your contract, it is strongly recommended that you take out additional personal insurance. This could cover expenses such as medication, home care, childcare, treatments, or even travel expenses.<\/p><p data-start=\"827\" data-end=\"943\">Take the time to carefully check your current protection with your employer to avoid unpleasant surprises.<\/p><hr data-start=\"945\" data-end=\"948\" \/><h3 data-start=\"950\" data-end=\"1004\"><strong data-start=\"954\" data-end=\"1004\">#2: All insurers offer the same prices<\/strong><\/h3><p data-start=\"1006\" data-end=\"1159\">A common misconception is that prices are the same regardless of the insurer, which discourages comparison shopping. This is completely false!<\/p><p data-start=\"1161\" data-end=\"1321\">When requesting quotes from different insurers, you will most likely notice price differences \u2013 sometimes slight, sometimes very significant.<\/p><p data-start=\"1323\" data-end=\"1462\">The lesson? Shopping around for critical illness insurance often allows you to save money and find the best deal for your needs.<\/p><hr data-start=\"1464\" data-end=\"1467\" \/><h3 data-start=\"1469\" data-end=\"1531\"><strong data-start=\"1473\" data-end=\"1531\">#3: Critical illness insurance is prohibitively expensive<\/strong><\/h3><p data-start=\"1533\" data-end=\"1682\">Many people believe that this type of insurance is reserved for those with deep pockets. However, it is often much more affordable than you might think.<\/p><p data-start=\"1684\" data-end=\"1840\">For example, according to an estimate by SSQ Insurance, a 35-year-old non-smoking woman could obtain $50,000 in coverage for less than $58 per month.<\/p><p data-start=\"1842\" data-end=\"2065\">This cost remains reasonable compared to the benefit of receiving a tax-free sum if you suffer a critical illness. And depending on your profile and the insurer you choose, you could even pay less. Find out more!<\/p><hr data-start=\"2067\" data-end=\"2070\" \/><h3 data-start=\"2072\" data-end=\"2152\"><strong data-start=\"2076\" data-end=\"2152\">#4: The Quebec health insurance plan covers all medications<\/strong><\/h3><p data-start=\"2154\" data-end=\"2260\">Many people think that the public health system covers everything in the event of illness. This is not the case.<\/p><p data-start=\"2262\" data-end=\"2430\">The public system only reimburses a portion of medications, and some treatments are not covered at all. You could therefore face significant out-of-pocket costs.<\/p><p data-start=\"2432\" data-end=\"2689\">Critical illness insurance provides a sum of money that can be used to cover these additional expenses. Don't rely solely on the public plan: supplemental coverage can make all the difference if illness strikes.<\/p><hr data-start=\"2691\" data-end=\"2694\" \/><h3 data-start=\"2696\" data-end=\"2758\"><strong data-start=\"2700\" data-end=\"2758\">#5: I am healthy, I will not get sick<\/strong><\/h3><p data-start=\"2760\" data-end=\"2879\">It's natural to think positively and believe that illness won't affect us. But the reality is quite different.<\/p><p data-start=\"2881\" data-end=\"2951\">Here are some key figures from the Canadian Cancer Society:<\/p><ul data-start=\"2952\" data-end=\"3176\"><li data-start=\"2952\" data-end=\"3014\"><p data-start=\"2954\" data-end=\"3014\">555 Canadians are diagnosed with cancer every day.<\/p><\/li><li data-start=\"3015\" data-end=\"3075\"><p data-start=\"3017\" data-end=\"3075\">2 out of 5 Canadians will be affected by it during their lifetime.<\/p><\/li><li data-start=\"3076\" data-end=\"3125\"><p data-start=\"3078\" data-end=\"3125\">1 in 12 adults lives with heart disease.<\/p><\/li><li data-start=\"3126\" data-end=\"3176\"><p data-start=\"3128\" data-end=\"3176\">216 people die of cancer every day.<\/p><\/li><\/ul><p data-start=\"3178\" data-end=\"3275\">Even in good health, no one is immune. Prevention also means planning for the unexpected.<\/p><hr data-start=\"3277\" data-end=\"3280\" \/><h3 data-start=\"3282\" data-end=\"3349\"><strong data-start=\"3286\" data-end=\"3349\">#6: I have savings, I will be able to cope with illness<\/strong><\/h3><p data-start=\"3351\" data-end=\"3496\">Many people believe their savings will be enough to cover a serious illness. Unfortunately, the costs are often much higher than expected.<\/p><p data-start=\"3498\" data-end=\"3644\">Between lost income, medications, treatments, travel, and other unexpected expenses, your savings could quickly dwindle.<\/p><p data-start=\"3646\" data-end=\"3867\">And if these savings are intended for retirement, it could jeopardize your plans and delay your departure. Critical illness insurance would allow you to protect both your financial health and your future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b3b665 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"0b3b665\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Find the critical illness insurance that suits you in just a few clicks!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77e6379 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"77e6379\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"165\" data-end=\"430\">Would you like to compare different critical illness insurance options online, with the support of an expert?<br data-start=\"282\" data-end=\"285\" \/>Fill out our free, no-obligation form now \u2014 we'll connect you with one of our trusted partners.<\/p><p data-start=\"432\" data-end=\"567\">Our partners offer insurance without a medical exam and with guaranteed approval, even if you have a health history!<\/p><p data-start=\"569\" data-end=\"694\">Why wait?<br data-start=\"588\" data-end=\"591\" \/>Answer a few simple questions and quickly discover the best coverage for your needs.<\/p><p data-start=\"696\" data-end=\"845\">It\u2019s the simplest, fastest and most efficient way to find quality critical illness insurance in Quebec.<br data-start=\"811\" data-end=\"814\" \/>Protect yourself today!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfb4fba elementor-widget elementor-widget-image\" data-id=\"bfb4fba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"847\" height=\"565\" src=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/136964169_s.jpg\" class=\"attachment-large size-large wp-image-2448\" alt=\"\" srcset=\"https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/136964169_s.jpg 847w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/136964169_s-300x200.jpg 300w, https:\/\/assuranceviecanada.ca\/wp-content\/uploads\/2025\/07\/136964169_s-768x512.jpg 768w\" sizes=\"(max-width: 847px) 100vw, 847px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4e0335 e-flex e-con-boxed e-con e-parent\" data-id=\"f4e0335\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a15e76 elementor-widget elementor-widget-text-editor\" data-id=\"2a15e76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>FAQ<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7849f94 elementor-widget elementor-widget-heading\" data-id=\"7849f94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently asked questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4eebbc elementor-widget elementor-widget-accordion\" data-id=\"b4eebbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1891\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1891\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Qu\u2019est-ce qu\u2019Assurance Vie Canada ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1891\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1891\"><p>C\u2019est une plateforme qui vous met en relation avec des courtiers en assurance pour comparer des offres d\u2019assurance vie.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1c182f elementor-widget elementor-widget-accordion\" data-id=\"b1c182f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1861\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1861\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Comment fonctionne votre service ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1861\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1861\"><p>Vous remplissez un formulaire en ligne, un courtier vous contacte, puis vous comparez les offres pour choisir la meilleure.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0867821 elementor-widget elementor-widget-accordion\" data-id=\"0867821\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8811\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-8811\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Est-ce que ce service est gratuit pour les utilisateurs ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-8811\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-8811\"><p>Oui, le service est 100 % gratuit pour les clients et sans frais cach\u00e9s.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6494bfb elementor-widget elementor-widget-accordion\" data-id=\"6494bfb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1051\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1051\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Quels types d\u2019assurance offrez-vous ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1051\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1051\"><p>Nous aidons \u00e0 trouver les meilleures assurances vie temporaire, permanente, maladies graves et autres protections via nos courtiers partenaires.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-731d763 elementor-widget elementor-widget-accordion\" data-id=\"731d763\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1201\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1201\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Comment puis-je obtenir un devis ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1201\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1201\"><p>Remplissez simplement le formulaire de demande de devis et un courtier vous contactera rapidement.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d311258 elementor-widget elementor-widget-accordion\" data-id=\"d311258\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2211\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2211\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Puis-je recevoir plusieurs devis ?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2211\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2211\"><p>Oui, le courtier peut vous proposer diff\u00e9rentes options de plusieurs assureurs.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Assurance vie canada Assurance maladie grave Nos partenaires courtiers et conseillers travaillent avec les assureurs les plus connues au Qu\u00e9bec (voir la liste) Assureurs 0 + Soumission chaque ann\u00e9e 0 + Visiteur chaque mois 0 + Obtenez une assurance maladies graves sans examen m\u00e9dical en 2025 \u2013 acceptation garantie ! Personne n\u2019est \u00e0 l\u2019abri d\u2019un [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-1224","page","type-page","status-publish","hentry"],"blocksy_meta":{"has_hero_section":"disabled","styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"aioseo_notices":[],"rttpg_featured_image_url":null,"rttpg_author":{"display_name":"Compareur Assurance vie","author_link":"https:\/\/assuranceviecanada.ca\/en\/author\/assuranceviecanada1gmail-com\/"},"rttpg_comment":1,"rttpg_category":null,"rttpg_excerpt":"Assurance vie canada Assurance maladie grave Nos partenaires courtiers et conseillers travaillent avec les assureurs les plus connues au Qu\u00e9bec (voir la liste) Assureurs 0 + Soumission chaque ann\u00e9e 0 + Visiteur chaque mois 0 + Obtenez une assurance maladies graves sans examen m\u00e9dical en 2025 \u2013 acceptation garantie ! Personne n\u2019est \u00e0 l\u2019abri d\u2019un&hellip;","_links":{"self":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages\/1224","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/comments?post=1224"}],"version-history":[{"count":88,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages\/1224\/revisions"}],"predecessor-version":[{"id":21694,"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/pages\/1224\/revisions\/21694"}],"wp:attachment":[{"href":"https:\/\/assuranceviecanada.ca\/en\/wp-json\/wp\/v2\/media?parent=1224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}