How Can a Critical Illness Plan Help Me?
Let’s first go face to face with the Shocking statistics :
1 Canadian out of four will develop heart disease during their lifetime;1 person out of two who is a heart attack victim is under the age of 65;
75% of victims survive a first stroke;
1 person out of three will develop some sort of cancer during his lifetime;
1 woman out of nine will develop breast cancer during her lifetime;
1 man out of eight will develop prostrate cancer during his lifetime;
50,000 Canadians have multiple sclerosis, one of the highest rates in the world;
Over 750,000 persons in Canada could suffer from Alzheimer’s disease by 2031.
** Source Statistics: Canadian Cancer Society, Heart and Stroke Foundation of Canada, Multiple Sclerosis Society of Canada,
Alzheimer Society of CanadaThe probability of being stricken by a critical illness during one’s lifetime is very high. And, in addition to having to face the illness, recent studies show that 67% of the costs related to medical treatment represent expenditures that are NOT COVERED by the provincial health insurance plan.
So, no one is immune to illness! The Rite Team can help those individuals who wish to protect themselves from the financial worries resulting from a critical illness, in order to maintain their quality of life and financial security. It is paid during the lifetime of the insured. The benefit provided fills the financial gap that is inevitably created between the provincial health insurance plan and the often substantial expenditures that result from a critical illness.
You can Use the Benefits as you Wish! There are no restrictions!
Examples of the use of Critical Illness :

Critical Illness benefits provide peace of mind and minimize the disruptions that all family members experience when someone in the family dramatically suffers a critical illness.
Medical Conditions Covered :Cancer, Stroke, Heart Attack, Coronary Artery Bypass Surgery, Kidney Failure, Major Organ Transplant, Multiple Sclerosis, Coma, Paralysis, Dismemberment, Blindness, Deafness, Muteness ( loss of speech ), Major Burn Injury, Benign Brain Tumor, Occupational Injury, HIV, Pathology of Motor Neuron ( Lou Gherig's Disease), Alzheimer's, Parkinson's Disease, and Cystic Fibrosis.
| To adapt the insured's home to their medical condition |
To pay the medical expeneses for specialized treatments here and abroad |
| To obtain home nursing care | To reduce the insured's financial obligations (mortgage, personal debts, etc) |
| To allow your spouse to take a leave without pay to remain at the insured's side |
To pay for child care expenses |
| To finance a training program to reorient the insured's career |
To insure the company's continuity in the business market |
| To take early retirement | To make for future income |