It is insurance for your health & to protect your wealth. It is now stated that 1 in 2 men and 1 in 3 women will contract Cancer in their lifetime, it is important for us to have insurance to cover costs, treatments, therapy and time off work. Click Here to see Stats and probability of different insurance in Canada, and why we need to think about this Coverage as the most important to have for each one of us.

This peace of mind insurance is so that we can ensure we can get WELL, BETTER!! We must take away the added stress of being away from your own business or job and not having your usual income, so that we can concentrate & focus entirely on fighting the illness. Not worrying about our bills, family, work and other financial stress - but letting our BRAIN our most powerful organ and healer concentrate on the treatment, therapy and the healing of our body! With having Cancer and fighting that battle it is by far enough stress, but suffering FINANCIAL DEATH and/or STRESS is not NEEDED!

WHAT IS IT?

That is why we have insurance for Critical Illnesses, this insurance will pay out after 30 days from being diagnosed. It will be in the form of a lump sum tax free cheque payment for you to decide how you wish to use it. Whether it be to cover the finances while you are off work from a heart attack, meet mortgage payments/bills, perhaps go to a specific medical centre/specialist to get the best care and treatment possible with no waiting such as the MAYO CLINIC, and/or perhaps just spend time with family and have a vacation with them. WHAT YOU DO WITH THE MONEY IS UP TO YOURSELF, YOU ARE IN TOTAL CONTROL.

What Does it cover?

It covers life threatening serious illness that you are diagnosed with, you must have the insurance in place to get the lump sum tax free payment. You buy the insurance with your ‘health’ not your ‘wealth’ meaning you must buy this product before you have a serious illness. Better to buy while healthy and young as it only gets more expensive. It truly is a product you must be proactive on, that is why many of my clients ensure they buy ULTIMATE KIDS PLAN. It is not about ‘cashing in’ and getting a win-fall on you or your child’s health, but guaranteeing you have the resources to properly deal with the situation as a family unit, and guaranteeing your childs’ insurability for the future. As we all know life happens, and diseases and illness to a child can than make it tough to buy insurance in the future, so much better to get it done while young and healthy! It will cover the big illnesses plaguing our society today like CANCER, HEART ATTACKS, STROKE, MS and many more, here is a sample of what a typical plan will cover. Click On the Harmony Brochure and look at all the illnesses/disabilities that are covered. Critical Illness Insurance will supplement any group plan or disability coverage, as not all disability insurance will cover illnesses and when you do qualify it only pays you 50-70% of your salary at best. You will be subject to all the disability guidelines as opposed to CRITICAL ILLNESS INSURANCE where you can decide where you LUMP SUM cheque, delivered to you personally by myself, will go towards!!!

Business owners and corporations can also cover there employees, executives and each other with an EHSP - Executive Health Savings Plan. The Company must pay for a portion and the Employee as well. So the company can be covered if the employee, partner is away because of serious illness and if the insured/employee stays healthy than he/she will get all the premium money back in retirement time!