Critical Illness Insurance

A critical illness can strike anyone at any time, and the odds of surviving are better than ever with today's medical breakthroughs. Worrying about being a financial burden on their family or business is the last thing your clients want, should the unexpected happen.

To meet different insurance needs, Empire Life offers two critical illness insurance solutions:

• Empire Life CI Protect – a simple, affordable solution for critical illness protection
• Empire Life CI Protect Plus – a comprehensive critical illness insurance solution that covers 25 critical illnesses

Empire Life CI Protect Plan Highlights

• Covers the 4 conditions that account for 82%¹ of Empire Life paid individual CI insurance claims: cancer, heart attack, stroke and coronary artery bypass²
• Application process uses life insurance underwriting with no additional health insurance requirements
• 10-year or 20-year renewable term plans with guaranteed initial & renewable premiums that increase every 10 or 20 years to age 75
• Available for individual coverage and as a rider³ for Solution Series or EstateMaxTM policies
• Built-in $1,000 death benefit if insured dies from any cause before becoming eligible for the CI Protect critical illness benefit

 Empire Life CI Protect Plus Highlights

• Covers 25 critical illnesses for comprehensive coverage
• Three plans with different guaranteed payment schedules to meet your insurance needs and budget
• Three built-in benefits to add extra protection with no extra premiums
• Two return of premium options that can provide paid eligible premiums back on surrender or maturity, or on death
• Other riders and benefits can be added to create a customized solution

CI Protect

• CI Protect Product Summary (INS- 1270)
• Guide to CI Protect Covered Critical Illness Definitions (INS-1286)
• CI Protect Client Guide (INS-1295)
• Protecting Your Retirement with CI Protect (INS - 1303)

CI Protect Plus

• CI Protect Plus Product Summary (INS-1419)
• Guide to CI Protect Plus Covered Critical Illness Definitions (INS-1454)
• CI Protect Plus Client Guide (INS-1447)
• Protecting Your Retirement with CI Protect Plus (INS-1459)
• Introducing our Medical Concierge Services
• Protecting Your RRSP When Critical Illness Strikes (INS-3031)

CI Bundle 

• Life & CI Protect Bundle (INS-2149)
• Life & CI Protect Plus Bundle (INS-1474)
• Bundling Strategy for Mortgage Life Insurance Solution (INS-2150)

Sample contracts

• Sample Contract - CI Protect 10
• Sample Contract - CI Protect 20
• Sample Contract - CI Protect Plus 10
• Sample Contract - CI Protect Plus 20
• Sample Contract - CI Protect Plus 75
• Sample Contract - CI Protect Plus 100

_{¹ Based on claims processed in 2018 & 2019 for all Empire Life individual critical illness insurance products.
² Please refer to the policy contract for specific definitions of each condition
³ Subject to business rules}