{"title":"Critical Illness Insurance","description":"\u003ch2 data-section-id=\"1gs0u6u\" data-start=\"1139\" data-end=\"1170\"\u003eCritical Illness Insurance\u003c\/h2\u003e\n\u003cp data-start=\"1171\" data-end=\"1234\"\u003e\u003cstrong data-start=\"1171\" data-end=\"1234\"\u003eFinancial protection if a serious illness changes your life\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp data-start=\"1236\" data-end=\"1661\"\u003eCritical illness insurance is designed to help protect you financially if you are diagnosed with a covered serious illness or condition and meet the policy requirements. Sun Life says it can help Canadians or those living in Canada pay the additional costs associated with life-altering illnesses, so they can focus more on treatment and recovery instead of worrying as much about money. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"1663\" data-end=\"2175\"\u003eA serious illness can create financial pressure even when someone survives and is expected to recover. Lost income, travel for treatment, home-care costs, time away from work, and expenses not covered by provincial or territorial health plans can all add up quickly. Sun Life’s current overview says critical illness insurance can help pay for costs your government health plan or other insurance may not cover, including home-care costs and other recovery-related expenses. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"1cmljr\" data-start=\"2177\" data-end=\"2217\"\u003eHow critical illness insurance works\u003c\/h3\u003e\n\u003cp data-start=\"2219\" data-end=\"2648\"\u003eIf you are diagnosed with a covered illness and meet the policy definition and any applicable survival-period requirement, critical illness insurance can pay a \u003cstrong data-start=\"2379\" data-end=\"2400\"\u003eone-time lump sum\u003c\/strong\u003e. Sun Life explains that this lump sum is yours to use however you want, whether that is for medical expenses, replacing lost income, mortgage or household bills, lifestyle adjustments, or other recovery needs. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"2650\" data-end=\"2967\"\u003eThat flexibility is one of the biggest reasons people consider this type of coverage. Unlike some benefits that can only be used for specific medical costs, a critical illness insurance payout can generally be used in the way that matters most to you and your family at the time. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"19jn90n\" data-start=\"2969\" data-end=\"3014\"\u003eWhat critical illness insurance may cover\u003c\/h3\u003e\n\u003cp data-start=\"3016\" data-end=\"3387\"\u003eSun Life’s overview says critical illness insurance commonly covers conditions such as \u003cstrong data-start=\"3103\" data-end=\"3196\"\u003ecancer, heart attack, stroke, major organ failure on waiting list, severe burns, and more\u003c\/strong\u003e. But the exact illnesses covered depend on the policy you choose, and the condition must meet the contract definition at the time the policy was issued. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"3389\" data-end=\"3689\"\u003eThat distinction matters. Not every critical illness policy covers the same number of conditions, the same payout structure, or the same extras. That is why it helps to compare the product details carefully instead of assuming every CI policy works the same way. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"1r26qlp\" data-start=\"3691\" data-end=\"3747\"\u003eWhy people often consider critical illness insurance\u003c\/h3\u003e\n\u003cp data-start=\"3749\" data-end=\"4222\"\u003ePeople often review critical illness coverage because a serious illness can disrupt more than just health. It can affect work, cash flow, savings, retirement plans, and day-to-day family life. Sun Life says critical illness insurance may help single people maintain independence, may help families cope financially during a stressful time, and may help business owners with business continuity, debt repayment, and succession planning. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"4224\" data-end=\"4513\"\u003eIt can also complement other insurance. Sun Life’s overview says critical illness insurance works alongside life insurance, disability insurance, and health coverage by helping fill gaps when a life-changing illness creates extra costs or lost income. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"1sf94fx\" data-start=\"4515\" data-end=\"4568\"\u003eWho may want to review critical illness insurance\u003c\/h3\u003e\n\u003cp data-start=\"4570\" data-end=\"5190\"\u003eCritical illness insurance may be worth considering for people who would feel financial strain if a serious illness interrupted income or created unexpected costs. That can include families relying on one or two incomes, self-employed people, homeowners with monthly obligations, people who want to protect savings or retirement assets, and business owners who want additional protection if illness affects them or a key person. Sun Life’s current overview highlights all three groups — individuals, families, and business owners — as potential users of critical illness coverage. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"tn8082\" data-start=\"5192\" data-end=\"5247\"\u003eExplore the Sun Life critical illness options below\u003c\/h3\u003e\n\u003cp data-start=\"5249\" data-end=\"5748\"\u003eSun Life currently offers \u003cstrong data-start=\"5275\" data-end=\"5318\"\u003etwo critical illness insurance products\u003c\/strong\u003e. Its most comprehensive option, \u003cstrong data-start=\"5351\" data-end=\"5385\"\u003eSun Critical Illness Insurance\u003c\/strong\u003e, offers adult coverage from \u003cstrong data-start=\"5414\" data-end=\"5439\"\u003e$25,000 to $4 million\u003c\/strong\u003e, child coverage from \u003cstrong data-start=\"5461\" data-end=\"5486\"\u003e$25,000 to $1 million\u003c\/strong\u003e, \u003cstrong data-start=\"5488\" data-end=\"5516\"\u003e26 full-payout illnesses\u003c\/strong\u003e for adults, \u003cstrong data-start=\"5529\" data-end=\"5559\"\u003e8 partial-payout illnesses\u003c\/strong\u003e, and \u003cstrong data-start=\"5565\" data-end=\"5601\"\u003e5 additional childhood illnesses\u003c\/strong\u003e. Sun Life also notes that \u003cstrong data-start=\"5628\" data-end=\"5676\"\u003eSun Life Medical Second Opinion, by Dialogue\u003c\/strong\u003e is available with this product. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"5750\" data-end=\"6135\"\u003eFor people who want a simpler online option, Sun Life also offers \u003cstrong data-start=\"5816\" data-end=\"5854\"\u003eExpress Critical Illness Insurance\u003c\/strong\u003e, which provides \u003cstrong data-start=\"5871\" data-end=\"5898\"\u003einstant online approval\u003c\/strong\u003e, \u003cstrong data-start=\"5900\" data-end=\"5933\"\u003eno medical exam or blood work\u003c\/strong\u003e, and coverage for \u003cstrong data-start=\"5952\" data-end=\"5976\"\u003e1, 3, or 7 illnesses\u003c\/strong\u003e depending on the plan selected. Current public details list coverage of \u003cstrong data-start=\"6049\" data-end=\"6071\"\u003e$25,000 or $50,000\u003c\/strong\u003e, depending on the plan. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"6137\" data-end=\"6269\"\u003eYou can explore the Sun Life critical illness products below to compare features, coverage style, and who each option may suit best.\u003c\/p\u003e\n\u003ch3 data-section-id=\"jm3jgu\" data-start=\"6271\" data-end=\"6302\"\u003eStart with a needs analysis\u003c\/h3\u003e\n\u003cp data-start=\"6304\" data-end=\"6818\"\u003eIf you are not sure how much critical illness coverage you may need — or whether it makes sense alongside life insurance, disability insurance, or group benefits — the next step is a needs analysis. Use the \u003cstrong data-start=\"6511\" data-end=\"6547\"\u003econtact me \/ needs analysis form\u003c\/strong\u003e at the bottom of this page, or within any product detail section, to request a personalized review. Sun Life’s quote page also directs people to an advisor to help determine which insurance product best fits their financial needs. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"ks6298\" data-start=\"6820\" data-end=\"6845\"\u003eImportant information\u003c\/h3\u003e\n\u003cp data-start=\"6847\" data-end=\"7370\"\u003eThis page is for \u003cstrong data-start=\"6864\" data-end=\"6904\"\u003egeneral educational information only\u003c\/strong\u003e and is not individualized insurance advice or an offer to contract. Covered illnesses, survival periods, exclusions, limitations, pricing, and product availability depend on the specific policy and your circumstances. Critical illness benefits for individually owned policies are generally understood by Sun Life to be tax-free based on the CRA’s current position, but tax treatment can depend on ownership and circumstances.\u003c\/p\u003e","products":[{"product_id":"sun-critical-illness-insurance","title":"Sun Critical Illness Insurance","description":"\u003ch2 data-section-id=\"f1avry\" data-start=\"1985\" data-end=\"2020\"\u003eSun Critical Illness Insurance\u003c\/h2\u003e\n\u003cp data-start=\"2021\" data-end=\"2119\"\u003e\u003cstrong data-start=\"2021\" data-end=\"2119\"\u003eComprehensive critical illness coverage designed to help protect your finances during recovery\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp data-start=\"2121\" data-end=\"2697\"\u003eSun Critical Illness Insurance is Sun Life’s most comprehensive critical illness insurance solution. It provides a \u003cstrong data-start=\"2236\" data-end=\"2265\"\u003eone-time lump-sum benefit\u003c\/strong\u003e if the insured person is diagnosed with a covered illness, meets the policy definition, and satisfies any applicable survival-period requirement. The benefit is designed to help you respond to a serious illness in your own way — whether that means replacing lost income, covering household expenses, paying for travel or care-related costs, or protecting savings and long-term financial plans. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"2699\" data-end=\"2974\"\u003eSun Life currently offers adult coverage from \u003cstrong data-start=\"2745\" data-end=\"2770\"\u003e$25,000 to $4,000,000\u003c\/strong\u003e and child coverage from \u003cstrong data-start=\"2795\" data-end=\"2820\"\u003e$25,000 to $1,000,000\u003c\/strong\u003e. Adult plans are available for issue ages \u003cstrong data-start=\"2863\" data-end=\"2875\"\u003e18 to 65\u003c\/strong\u003e, and child plans are available from \u003cstrong data-start=\"2912\" data-end=\"2935\"\u003e30 days to 17 years\u003c\/strong\u003e. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"16zyfva\" data-start=\"2976\" data-end=\"2992\"\u003eKey features\u003c\/h3\u003e\n\u003cp data-start=\"2994\" data-end=\"3453\"\u003e\u003cstrong data-start=\"2994\" data-end=\"3040\"\u003eComprehensive coverage for major illnesses\u003c\/strong\u003e\u003cbr data-start=\"3040\" data-end=\"3043\"\u003eSun Critical Illness Insurance currently covers \u003cstrong data-start=\"3091\" data-end=\"3119\"\u003e26 full-payout illnesses\u003c\/strong\u003e for adults, including conditions such as life-threatening cancer, heart attack, stroke, aortic surgery, kidney failure, major organ transplant, multiple sclerosis, Alzheimer’s disease, Parkinson’s disease, and more. Child plans include \u003cstrong data-start=\"3356\" data-end=\"3392\"\u003e5 additional childhood illnesses\u003c\/strong\u003e, covered until age 24. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"3455\" data-end=\"3988\"\u003e\u003cstrong data-start=\"3455\" data-end=\"3531\"\u003ePartial payouts for certain early-stage or less severe covered illnesses\u003c\/strong\u003e\u003cbr data-start=\"3531\" data-end=\"3534\"\u003eIn addition to the full-payout illnesses, Sun Life says this product includes \u003cstrong data-start=\"3612\" data-end=\"3642\"\u003e8 partial-payout illnesses\u003c\/strong\u003e, including \u003cstrong data-start=\"3654\" data-end=\"3678\"\u003ecoronary angioplasty\u003c\/strong\u003e and \u003cstrong data-start=\"3683\" data-end=\"3708\"\u003e7 early-stage cancers\u003c\/strong\u003e. Each partial payout is \u003cstrong data-start=\"3733\" data-end=\"3789\"\u003e15% of the benefit amount, up to $50,000 per illness\u003c\/strong\u003e, to a maximum of \u003cstrong data-start=\"3807\" data-end=\"3828\"\u003e4 partial payouts\u003c\/strong\u003e. Sun Life states these partial payouts do \u003cstrong data-start=\"3871\" data-end=\"3885\"\u003enot reduce\u003c\/strong\u003e the full critical illness benefit or return-of-premium benefits. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"3990\" data-end=\"4326\"\u003e\u003cstrong data-start=\"3990\" data-end=\"4025\"\u003eA lump sum you can use your way\u003c\/strong\u003e\u003cbr data-start=\"4025\" data-end=\"4028\"\u003eSun Life’s advisor guide says the benefit is yours to spend in the way that helps most. It may be used for lost income, debt payments, medical-related expenses, travel and accommodations during treatment, child care, household expenses, or time away from work. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"4328\" data-end=\"4729\"\u003e\u003cstrong data-start=\"4328\" data-end=\"4354\"\u003eChoice of plan designs\u003c\/strong\u003e\u003cbr data-start=\"4354\" data-end=\"4357\"\u003eSun Life offers multiple standalone plan designs for single lives, including \u003cstrong data-start=\"4434\" data-end=\"4451\"\u003eTerm 10 (T10)\u003c\/strong\u003e, \u003cstrong data-start=\"4453\" data-end=\"4470\"\u003eTerm 75 (T75)\u003c\/strong\u003e, \u003cstrong data-start=\"4472\" data-end=\"4500\"\u003eT75 payable for 15 years\u003c\/strong\u003e, \u003cstrong data-start=\"4502\" data-end=\"4521\"\u003eLifetime (T100)\u003c\/strong\u003e, \u003cstrong data-start=\"4523\" data-end=\"4552\"\u003eT100 payable for 10 years\u003c\/strong\u003e, and \u003cstrong data-start=\"4558\" data-end=\"4587\"\u003eT100 payable for 15 years\u003c\/strong\u003e. This gives clients a choice between renewable term-style coverage and longer-term or lifetime options. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"4731\" data-end=\"5264\"\u003e\u003cstrong data-start=\"4731\" data-end=\"4760\"\u003eReturn-of-premium options\u003c\/strong\u003e\u003cbr data-start=\"4760\" data-end=\"4763\"\u003eSun Life offers optional \u003cstrong data-start=\"4788\" data-end=\"4818\"\u003ereturn of premium on death\u003c\/strong\u003e and, depending on the plan, \u003cstrong data-start=\"4847\" data-end=\"4894\"\u003ereturn of premium on cancellation or expiry\u003c\/strong\u003e. If the insured person dies while the policy is in effect and no claim has been made, the beneficiary may receive \u003cstrong data-start=\"5009\" data-end=\"5044\"\u003e100% of the returnable premiums\u003c\/strong\u003e, subject to policy rules. Return-of-premium on cancellation or expiry is available on certain plan designs, with different eligibility structures depending on the option selected. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"5266\" data-end=\"5588\"\u003e\u003cstrong data-start=\"5266\" data-end=\"5294\"\u003eOptional waiver benefits\u003c\/strong\u003e\u003cbr data-start=\"5294\" data-end=\"5297\"\u003eOptional benefits can include \u003cstrong data-start=\"5327\" data-end=\"5354\"\u003etotal disability waiver\u003c\/strong\u003e, \u003cstrong data-start=\"5356\" data-end=\"5378\"\u003eowner waiver death\u003c\/strong\u003e, \u003cstrong data-start=\"5380\" data-end=\"5407\"\u003eowner waiver disability\u003c\/strong\u003e, and \u003cstrong data-start=\"5413\" data-end=\"5450\"\u003eowner waiver death and disability\u003c\/strong\u003e, helping keep the policy in force if the insured person or owner meets the qualifying conditions. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"5590\" data-end=\"5927\"\u003e\u003cstrong data-start=\"5590\" data-end=\"5624\"\u003eMedical Second Opinion service\u003c\/strong\u003e\u003cbr data-start=\"5624\" data-end=\"5627\"\u003eSun Life also says \u003cstrong data-start=\"5646\" data-end=\"5694\"\u003eSun Life Medical Second Opinion, by Dialogue\u003c\/strong\u003e is available with this product to help clients better understand a medical condition and treatment options. Sun Life notes this service is provided by Dialogue and may be changed or withdrawn. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"5929\" data-end=\"6263\"\u003e\u003cstrong data-start=\"5929\" data-end=\"5965\"\u003eLong-term care conversion option\u003c\/strong\u003e\u003cbr data-start=\"5965\" data-end=\"5968\"\u003eSun Life also lists an optional \u003cstrong data-start=\"6000\" data-end=\"6036\"\u003elong-term care conversion option\u003c\/strong\u003e, which can allow the critical illness coverage to be converted to long-term care insurance later without new medical information, subject to the product rules and eligibility conditions. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"r18eeb\" data-start=\"6265\" data-end=\"6305\"\u003eWho this product may be suitable for\u003c\/h3\u003e\n\u003cp data-start=\"6307\" data-end=\"6374\"\u003eSun Critical Illness Insurance may be suitable for people who want:\u003c\/p\u003e\n\u003cul data-start=\"6376\" data-end=\"6717\"\u003e\n\u003cli data-section-id=\"lyfzml\" data-start=\"6376\" data-end=\"6442\"\u003ebroader critical illness coverage with higher benefit amounts,\u003c\/li\u003e\n\u003cli data-section-id=\"rztn65\" data-start=\"6443\" data-end=\"6507\"\u003eprotection for personal, family, or business planning needs,\u003c\/li\u003e\n\u003cli data-section-id=\"14a9xe3\" data-start=\"6508\" data-end=\"6552\"\u003ecoverage for children as well as adults,\u003c\/li\u003e\n\u003cli data-section-id=\"1ivmui0\" data-start=\"6553\" data-end=\"6596\"\u003eoptional return-of-premium features, or\u003c\/li\u003e\n\u003cli data-section-id=\"1dafzo3\" data-start=\"6597\" data-end=\"6717\"\u003ea more comprehensive critical illness product than a simplified online option. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3 data-section-id=\"1l9cpvq\" data-start=\"6719\" data-end=\"6752\"\u003eRequest a personalized review\u003c\/h3\u003e\n\u003cp data-start=\"6754\" data-end=\"6826\"\u003eInterested in whether Sun Critical Illness Insurance may fit your needs?\u003c\/p\u003e\n\u003cp data-start=\"6828\" data-end=\"7036\"\u003e\u003cstrong data-start=\"6828\" data-end=\"6864\"\u003eComplete the needs analysis form\u003c\/strong\u003e and I’ll follow up with you to review your goals, budget, family or business needs, and whether this Sun Life critical illness solution may be suitable for your situation.\u003c\/p\u003e\n\u003ch3 data-section-id=\"ks6298\" data-start=\"7038\" data-end=\"7063\"\u003eImportant information\u003c\/h3\u003e\n\u003cp data-start=\"7065\" data-end=\"7501\"\u003eThis page is for \u003cstrong data-start=\"7082\" data-end=\"7110\"\u003egeneral information only\u003c\/strong\u003e and is not individualized insurance advice or an offer to contract. Covered illnesses, survival periods, exclusions, optional benefits, pricing, and underwriting depend on the policy and your circumstances. A covered condition must meet the policy definition, and applicable survival-period requirements must be satisfied before a benefit is payable.\u003c\/p\u003e","brand":"Sun Life Financial","offers":[{"title":"Default Title","offer_id":48129238794465,"sku":null,"price":0.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/8555\/3121\/files\/sun-critical-illness-insurance.png?v=1774409244"},{"product_id":"express-critical-illness-insurance","title":"Express Critical Illness Insurance","description":"\u003ch2 data-section-id=\"1855ido\" data-start=\"1703\" data-end=\"1742\"\u003eExpress Critical Illness Insurance\u003c\/h2\u003e\n\u003cp data-start=\"1743\" data-end=\"1808\"\u003e\u003cstrong data-start=\"1743\" data-end=\"1808\"\u003eSimple online critical illness coverage with instant approval\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp data-start=\"1810\" data-end=\"2326\"\u003eExpress Critical Illness Insurance is Sun Life’s online critical illness insurance solution for people who want a simpler way to get covered. Sun Life describes it as a \u003cstrong data-start=\"1979\" data-end=\"2025\"\u003estarter critical illness insurance product\u003c\/strong\u003e that offers \u003cstrong data-start=\"2038\" data-end=\"2065\"\u003einstant online approval\u003c\/strong\u003e with \u003cstrong data-start=\"2071\" data-end=\"2113\"\u003eno medical exam or blood work required\u003c\/strong\u003e. If you are diagnosed with a covered condition and meet the policy requirements, it can provide a \u003cstrong data-start=\"2212\" data-end=\"2241\"\u003eone-time lump-sum payment\u003c\/strong\u003e to help with the financial impact of recovery. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"2328\" data-end=\"2732\"\u003eThis product is designed for people who want straightforward protection for some of the most common serious illnesses in Canada, without going through a longer traditional underwriting process. Sun Life says the lump-sum payment can be used any way you wish, including for home-care costs and other expenses not covered by your provincial or territorial health plan. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"16zyfva\" data-start=\"2734\" data-end=\"2750\"\u003eKey features\u003c\/h3\u003e\n\u003cp data-start=\"2752\" data-end=\"2965\"\u003e\u003cstrong data-start=\"2752\" data-end=\"2779\"\u003eInstant online approval\u003c\/strong\u003e\u003cbr data-start=\"2779\" data-end=\"2782\"\u003eSun Life says Express Critical Illness Insurance offers \u003cstrong data-start=\"2838\" data-end=\"2865\"\u003einstant online approval\u003c\/strong\u003e. Coverage starts \u003cstrong data-start=\"2883\" data-end=\"2926\"\u003eas soon as your application is approved\u003c\/strong\u003e. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"2967\" data-end=\"3158\"\u003e\u003cstrong data-start=\"2967\" data-end=\"3000\"\u003eNo medical exam or blood work\u003c\/strong\u003e\u003cbr data-start=\"3000\" data-end=\"3003\"\u003eThis product is designed with a simplified application process and does \u003cstrong data-start=\"3075\" data-end=\"3082\"\u003enot\u003c\/strong\u003e require a medical exam or blood work. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"3160\" data-end=\"3559\"\u003e\u003cstrong data-start=\"3160\" data-end=\"3189\"\u003eTax-free lump-sum payment\u003c\/strong\u003e\u003cbr data-start=\"3189\" data-end=\"3192\"\u003eIf you are diagnosed with a covered condition and survive \u003cstrong data-start=\"3250\" data-end=\"3261\"\u003e30 days\u003c\/strong\u003e, Sun Life says the policy pays a \u003cstrong data-start=\"3295\" data-end=\"3324\"\u003etax-free lump-sum benefit\u003c\/strong\u003e to use however you want. Sun Life also notes that claims are assessed based on the illnesses specifically covered in the contract and must meet the policy definitions, exclusions, and limitations. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"3561\" data-end=\"3800\"\u003e\u003cstrong data-start=\"3561\" data-end=\"3583\"\u003eThree plan choices\u003c\/strong\u003e\u003cbr data-start=\"3583\" data-end=\"3586\"\u003eSun Life currently offers three plan options:\u003cbr\u003e\u003cstrong data-start=\"3632\" data-end=\"3641\"\u003eBasic\u003c\/strong\u003e, \u003cstrong data-start=\"3643\" data-end=\"3655\"\u003eEnhanced\u003c\/strong\u003e, and \u003cstrong data-start=\"3661\" data-end=\"3672\"\u003eComfort\u003c\/strong\u003e. These plans cover \u003cstrong data-start=\"3692\" data-end=\"3706\"\u003e1, 3, or 7\u003c\/strong\u003e full-payout illnesses depending on the option selected. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"3802\" data-end=\"4169\"\u003e\u003cstrong data-start=\"3802\" data-end=\"3831\"\u003eCovered illnesses by plan\u003c\/strong\u003e\u003cbr data-start=\"3831\" data-end=\"3834\"\u003eThe current public Sun Life page lists the covered illnesses as follows:\u003cbr\u003e\u003cstrong data-start=\"3907\" data-end=\"3916\"\u003eBasic\u003c\/strong\u003e: cancer.\u003cbr data-start=\"3925\" data-end=\"3928\"\u003e\u003cstrong data-start=\"3928\" data-end=\"3940\"\u003eEnhanced\u003c\/strong\u003e: cancer, heart attack, stroke.\u003cbr data-start=\"3971\" data-end=\"3974\"\u003e\u003cstrong data-start=\"3974\" data-end=\"3985\"\u003eComfort\u003c\/strong\u003e: cancer, heart attack, stroke, coronary artery bypass surgery, aortic surgery, major organ transplant, and major organ failure on waiting list. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"4171\" data-end=\"4387\"\u003e\u003cstrong data-start=\"4171\" data-end=\"4191\"\u003eCoverage amounts\u003c\/strong\u003e\u003cbr data-start=\"4191\" data-end=\"4194\"\u003eSun Life currently lists these coverage amounts:\u003cbr\u003e\u003cstrong data-start=\"4243\" data-end=\"4254\"\u003e$25,000\u003c\/strong\u003e for the Basic plan, \u003cstrong data-start=\"4275\" data-end=\"4286\"\u003e$25,000\u003c\/strong\u003e for the Enhanced plan, and \u003cstrong data-start=\"4314\" data-end=\"4325\"\u003e$50,000\u003c\/strong\u003e for the Comfort plan. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"4389\" data-end=\"4846\"\u003e\u003cstrong data-start=\"4389\" data-end=\"4423\"\u003eAdditional benefits on Comfort\u003c\/strong\u003e\u003cbr data-start=\"4423\" data-end=\"4426\"\u003eSun Life says the Comfort plan includes:\u003cbr\u003ea \u003cstrong data-start=\"4469\" data-end=\"4509\"\u003erate guarantee for the first 5 years\u003c\/strong\u003e, \u003cstrong data-start=\"4511\" data-end=\"4535\"\u003einflation protection\u003c\/strong\u003e, \u003cstrong data-start=\"4537\" data-end=\"4585\"\u003eSun Life Medical Second Opinion, by Dialogue\u003c\/strong\u003e, and an option to \u003cstrong data-start=\"4604\" data-end=\"4648\"\u003eadd up to 5 children for $2.50 per month\u003c\/strong\u003e with \u003cstrong data-start=\"4654\" data-end=\"4686\"\u003e$5,000 of coverage per child\u003c\/strong\u003e. Sun Life also notes that the Medical Second Opinion service is not part of the policy and may be changed or withdrawn. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp data-start=\"4848\" data-end=\"5027\"\u003e\u003cstrong data-start=\"4848\" data-end=\"4872\"\u003e30-day refund period\u003c\/strong\u003e\u003cbr data-start=\"4872\" data-end=\"4875\"\u003eSun Life says you can cancel anytime, and if you cancel within the first \u003cstrong data-start=\"4948\" data-end=\"4959\"\u003e30 days\u003c\/strong\u003e, you receive a full refund. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"9ucpt7\" data-start=\"5029\" data-end=\"5044\"\u003eEligibility\u003c\/h3\u003e\n\u003cp data-start=\"5046\" data-end=\"5274\"\u003eSun Life’s current public page says Express Critical Illness Insurance is available to \u003cstrong data-start=\"5133\" data-end=\"5168\"\u003eCanadian residents age 18 to 64\u003c\/strong\u003e who are looking for a starter critical illness insurance product. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"3ow3eq\" data-start=\"5276\" data-end=\"5304\"\u003eImportant policy details\u003c\/h3\u003e\n\u003cp data-start=\"5306\" data-end=\"5703\"\u003eSun Life says coverage ends when a claim is paid, the policy is cancelled, the insured person dies, premiums are not paid for 30 days, or on the policy anniversary after the insured person’s \u003cstrong data-start=\"5497\" data-end=\"5514\"\u003e70th birthday\u003c\/strong\u003e. Sun Life also tells clients to review the policy definitions, exclusions, and especially the \u003cstrong data-start=\"5609\" data-end=\"5645\"\u003epre-existing condition exclusion\u003c\/strong\u003e before enrolling. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"r18eeb\" data-start=\"5705\" data-end=\"5745\"\u003eWho this product may be suitable for\u003c\/h3\u003e\n\u003cp data-start=\"5747\" data-end=\"5818\"\u003eExpress Critical Illness Insurance may be suitable for people who want:\u003c\/p\u003e\n\u003cul data-start=\"5820\" data-end=\"6067\"\u003e\n\u003cli data-section-id=\"1cs56ou\" data-start=\"5820\" data-end=\"5852\"\u003ea simple online application,\u003c\/li\u003e\n\u003cli data-section-id=\"ihgbtk\" data-start=\"5853\" data-end=\"5874\"\u003einstant approval,\u003c\/li\u003e\n\u003cli data-section-id=\"abo5nt\" data-start=\"5875\" data-end=\"5909\"\u003eno medical exam or blood work,\u003c\/li\u003e\n\u003cli data-section-id=\"1gbhd61\" data-start=\"5910\" data-end=\"5959\"\u003esmaller critical illness coverage amounts, or\u003c\/li\u003e\n\u003cli data-section-id=\"as09j\" data-start=\"5960\" data-end=\"6067\"\u003ea straightforward CI product focused on common serious illnesses. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3 data-section-id=\"1l9cpvq\" data-start=\"6069\" data-end=\"6102\"\u003eRequest a personalized review\u003c\/h3\u003e\n\u003cp data-start=\"6104\" data-end=\"6180\"\u003eInterested in whether Express Critical Illness Insurance may fit your needs?\u003c\/p\u003e\n\u003cp data-start=\"6182\" data-end=\"6523\"\u003e\u003cstrong data-start=\"6182\" data-end=\"6218\"\u003eComplete the needs analysis form\u003c\/strong\u003e and I’ll follow up with you to review your goals, budget, and whether this Sun Life critical illness solution may be suitable for your situation. Sun Life’s quote page also says clients can use a quote tool or speak with an advisor to learn more about the product. \u003cspan class=\"\" data-state=\"closed\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3 data-section-id=\"ks6298\" data-start=\"6525\" data-end=\"6550\"\u003eImportant information\u003c\/h3\u003e\n\u003cp data-start=\"6552\" data-end=\"6847\"\u003eThis page is for \u003cstrong data-start=\"6569\" data-end=\"6597\"\u003egeneral information only\u003c\/strong\u003e and is not individualized insurance advice or an offer to contract. Covered conditions, survival periods, exclusions, limitations, pricing, and eligibility depend on the specific policy and your circumstances.\u003c\/p\u003e","brand":"Sun Life Financial","offers":[{"title":"Default Title","offer_id":48129242497249,"sku":null,"price":0.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/8555\/3121\/files\/express-critical-illness-insurance.png?v=1774408870"}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/8555\/3121\/collections\/sun-critical-illness-insurance.png?v=1776882319","url":"https:\/\/ladnar.ca\/collections\/critical-illness-insurance.oembed","provider":"Ladnar Life Insurance","version":"1.0","type":"link"}