Underwrite1 in 3
Canadians face a critical illness before age 65
Step 1 of 3
How old are you?
Critical illness risk and coverage needs shift significantly across this decade.
Takes 40 seconds. No contact info required until Step 3.
The Gap You Can't See
$0
Average critical illness claim cost
$0
Average savings — Canadian, age 42
Average recovery time before returning to full work capacity
Cardiac event — Statistics Canada 2024
Of Canadians who survive a critical illness face significant financial hardship
Canadian Cancer Society financial impact study
Average out-of-pocket cost during treatment — not covered by provincial health
Includes private nursing, specialist fees, travel
"The question isn't whether you'll survive a critical illness. In 2026, most people do. The question is whether your finances survive it too."
Canadian Life & Health Insurance Association
What Your HR Handbook Won't Show You
Employer group coverage was designed for the average claim.
You are not average.
The project manager who just made director, the dentist who owns the practice, the dual-income couple with a $1.2M mortgage — group coverage leaves a gap wide enough to put the house on the market.
The honest math
A 44-year-old director earning $165K has approximately $240,000 in uninsured critical illness exposure after accounting for group plan limits, waiting periods, and excluded conditions.
The Math, Not the Marketing
Anonymized payout scenarios — diagnosis, wait period, lump sum, allocation.
These are not testimonials. They are reconstructed from actual claim data, anonymized to profile archetypes. The numbers are real. The outcomes are real.
Profile
Client
Client A, age 43
Role
Director of Operations
Income
$145K household
Claim Event
Diagnosis
Stage II breast cancer
Wait period
30 days post-diagnosis
Lump sum received
$300,000
Where the money went
Outcome
Returned to work 14 months post-diagnosis. House was never listed. Children's tuition uninterrupted.
See your own numbers
A 15-minute policy review maps your exact exposure — no obligation, no sales pitch.
Your Personalized Report
Download your Coverage Gap Report. The number you can't unsee.
Built from your diagnostic answers. Delivered as a clean, printable PDF. Shows exactly where your employer plan ends and where your family's financial exposure begins — in plain language, not policy clauses.
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We generate your Coverage Gap Report from the answers you gave at the top of this page. If you haven't completed the diagnostic yet, scroll up — it takes 40 seconds.
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