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Things you need to know

We all think about the future — what we want to achieve and experience and with whom we want to share it.

Saving for a successful retirement means having a solid investment plan in place but a serious illness diagnosis can put that plan on hold, or worse, require liquidation to pay for recovery expenses.

Including Critical Illness Insurance in a retirement plan can help protect against an unexpected serious illness and getting the coverage in place early means affordable health insurance protection.

Don't be taken by surprise and protect against a critical illness


  • Critical Illness insurance provides a tax-free, lump-sum benefit if you are diagnosed with a covered condition as defined in your contract and outlive the 30-day survival period.
  • The money received can be used however you choose, without restriction. For example, to make mortgage payments, home renovations, continue to contribute to retirement, pay for specialized medical treatment, out of country treatments and more.

Lump-Sum Benefit

Expert Medical Opinion

The plan pays a lump sum benefit in the event you meet the policy definition of any of the following covered critical illnesses:

  • Alzheimer’s disease
  • Aortic surgery
  • Aplastic anemia
  • Bacterial meningitis
  • Benign brain tumor
  • Loss of speech
  • Major organ transplant
  • Major organ failure on waiting list
  • Motor neuron disease
  • Blindness
  • Cancer (life-threatening)
  • Coma
  • Coronary artery-bypass surgery
  • Deafness
  • Multiple sclerosis
  • Occupational HIV infection
  • Paralysis
  • Heart attack
  • Heart valve replacement
  • Kidney failure
  • Loss of independent existence†
  • Loss of limbs
  • Stroke (cerebrovascular accident)
  • Severe burns
  • Parkinson’s disease

For most conditions, your benefit can be paid after the 30-day survival period. Refer to the policy for specific definitions and exclusions.

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The cash benefit will help you cover expenses were traditional health insurance may fall short.

Best Doctors — gives you access to the world’s best medical specialists.

Daily living assistance — provides resources to help you manage day-to-day activities.

Healing the whole person — access to the support you and your family need when dealing with the fears and anxieties associated with a critical illness.

Care coach — provides support for a range of everyday concerns such as locating childcare or elder care, arranging transportation, etc.

Healing Journey Kit — includes a book, and video and audio content to help you through the process.

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You will not be turned down for coverage regardless of health condition.

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It provides the coverage you want, whether you have very serious medical conditions or are in good health.

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The coverage amount will never decrease over the life of the policy.

family insurance - CHES Life
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Premiums are guaranteed not to change over the life of the policy.

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An insurance policy can help ensure that your family doesn’t have to worry about finding the money to pay your final expenses.

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You can get coverage quickly and will have protection regardless of your health condition.

Because you deserve peace of mind


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