Things you need to know

On average, people are living longer. With longevity, unfortunately, comes an increased chance of a critical illness diagnosis, such as cancer, heart attack, stroke, coronary artery-bypass and more. And while advances in medicine also increase your chance of survival, it can exact a heavy financial and emotional toll on patients and their families.

If you have had a pre-existing condition such as cancer, having Critical Illness insurance can help alleviate that burden. You can also get a long-term care conversion benefit built right into your plan. This means, from age 55 to 65 you can convert all or a portion of your Critical Illness coverage to long-term care without having to provide evidence of your good health.

We offer protection to suit your changing needs throughout your lifetime


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

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. It is a simple, permanent insurance solution designed to meet the insurance needs of the most challenging applications.

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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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Policies accumulate guaranteed cash value beginning in the policy’s fifth year. You can use the cash value to pay premiums as long as cash values are sufficient. If the policy is cancelled, any remaining cash value will be paid to the policy owner.

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Because you deserve peace of mind


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