What this insurance covers
Critical illness insurance pays a lump sum following the diagnosis of a covered illness, as defined in the contract. You decide how to use the capital.
Covered illnesses
Cancer, heart attack, stroke, organ transplant, multiple sclerosis, Parkinson's and more. The exact list and definitions depend on the chosen product.
Lump sum
A single amount paid after the survival period set in the contract (often 30 days after the diagnosis). Generally tax-free, and you use it as you see fit.
Refund option
If you never claim, some products let you recover your premiums at retirement or on death.
Child coverage
Some products offer protection for dependent children - coverage for pediatric critical illnesses.
What Alexandre checks with you
Terms vary from one insurer and product to another. Alexandre confirms the exact iA product details during your analysis.
Your estimate,
without leaving home.
Alexandre reviews your situation and calls you back with a personalized recommendation. Free, no obligation.
The analysis is free. If you sign up, Alexandre is paid a commission by the insurer or product provider.
Illness strikes without
warning. The capital is there.
Government health insurance covers basic care. But complementary care, lost income and adapting your daily life during recovery - that's your responsibility.
A diagnosis never gives warning. It's often in the first weeks, during the shock, that expenses pile up fastest.
The right amount depends on your income, your debts and a realistic recovery time for your condition. Alexandre discusses it with you, directly.
Who is it useful for?
The Alexandre advantage
Alexandre knows the exclusions, the waiting periods and the complementary options. He helps you make the right choice before you need it.
Compare your options
No insurance | Group insurance | Individual policy RECOMMENDED | |
|---|---|---|---|
| Capital on diagnosis | $0 | Limited or none | Based on the amount chosen |
| Illnesses covered | - | Varies by plan | Depending on the product |
| Use of the capital | - | Possible restriction | Free |
| Non-taxable benefit | - | Depends on who pays the premium | Generally |
| Premium refund option | |||
| Portability | |||
| Choose this option |
How is the premium
calculated?
Several factors influence your premium. Alexandre guides you toward conditions suited to your profile.
Get my estimateHow do you file a claim?
Alexandre supports you at every step of the process.
Once the diagnosis is confirmed by a doctor, contact Alexandre.
Survival period per the contractMedical report, written diagnosis and claim form submitted.
Alexandre guides youThe insurer processes the file. The survival period set in the contract applies.
Timeline set by the insurerLump sum paid in a single payment, generally tax-free, free to use.
Generally tax-freeRelated products
Frequently asked questions
What clients say
“Alexandre explained the different types of personal insurance to me like no one else ever had. As a self-employed person, I didn't even know I could have income and disability insurance. I highly recommend him.”“Excellent service from start to finish. Alexandre is very professional, attentive, and takes the time to explain the different options without putting any pressure on me. I felt well-advised and confident throughout the entire process. I highly recommend AG Financial Services.”“Excellent service! Very professional, available, and attentive. The explanations were clear, and the advice was truly tailored to our needs. I recommend them without hesitation!”Reviews posted by clients on the Services Financiers AG Google listing, in French; the English text is Google's automatic translation. Every situation is different: a review does not predict the outcome of yours.