Critical illness insurance

Critical illness insurance

What is Critical illness insurance?

This type of insurance will provide you with a lump sum, tax-free, following a critical illness diagnosis. It allows you to focus entirely on your recovery without having to be preoccupied with your financial burdens caused by your illness.

Who is it for?

Anyone afflicted with a critical illness and wishes to cover their financial needs. To benefit from this, however, you need to be in good health when signing up.

Disease covered

  • Alzheimer’s disease
  • Anemia
  • Aorta surgery
  • Bacterial meningitis
  • Benign brain tumor
  • Blindness
  • Cancer
  • Cereberovascular accident (Stroke)
  • Coma
  • Coronary surgery
  • Deafness
  • E. coli infection
  • Heart attack
  • Heart valve replacement
  • Loss of autonomy
  • Loss of limb(s)
  • Loss of speech
  • Lyme disease
  • Motor neuron disease
  • Multiple sclerosis
  • Necrotizing fasciitis (flesh eating disease)
  • Organ transplant
  • Paralysis
  • Parkinson disease
  • Renal failure
  • Severe burns
  • Vital organs insufficiency requiring a transplant
  • West Nile virus
  • Work related HIV infection


  • You’ll get a tax free lump sum 30 days after the the critical illness diagnosis. This payment can be used in any way, without any restrictions.
  • All of your insurance premiums are guaranteed, renewable every 10 or 20 years. They can also be levelled up to the age of 75 or for life.
  • You can benefit of a protection ranging from 10 000 $ up to 2 millions.
  • You can get a full refund of every premium paid, in case of death, and if you haven’t benefited from the insurance benefit that you had subscribed to.
  • You can buy back your insurance and obtain a refund for your premium.
  • Additional warranties, such as the refund, are offered after a certain number of years.

Why choose us?

Please note that it is important to consult our products and premium comparison system. A few financial institutions offer critical illness insurance on mortgage loans or individual products, however their insurance only cover 3 illnesses.

It’s always unfortunate to be diagnosed with a critical illness and then being told by your financial institution that your illness is not covered. To avoid any nasty surprises, contact us!

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Votre dossier sera traité de façon rapide et confidentielle.


Demandez une soumission en ligne.


Recevez votre tableau comparatif des protections et des coûts pour chaque compagnie d’assurance collective au Québec.


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Thank you for your help! I found a better rate with you since Caisse Populaire Desjardins wanted to charge me an additional $21 per month.
- Y. Bureau Bécancour, June 2014
I was turned down by one insurance company and another wanted an unbelievable extra premium. Assure Direct found a life insurance policy for me at a regular rate. I have referred all my acquaintances to them. I would like to thank the personnel/staff for their discretion and honesty.
- J. Drolet Montreal, December 2011
Thanks to you, I'm saving $440 annually and even obtained an additional $45 000 for my life insurance!
- P.F. Desgagné Trois-Rivières, May 2014
We obtained mortgage life insurance and personal life insurance adapted to our situation, at the best price on the market from among all the financial institutions. Great service! Many thanks!
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It was so simple to shop on this site and quickly obtain the best rates. Thank you for saving me money!
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Nothing more to add: Fast, efficient and best rate available!
- Alain Millette Quebec, April 2013
Découvrez ce que nos clients en pensent
Thank you for your help! I found a better rate with you since Caisse Populaire Desjardins wanted to charge me an additional $21 per month.
- Y. Bureau Bécancour, June 2014

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