What critical illness can mean
Insurance is often considered as part of a broader financial plan. Product design, eligibility, limits, exclusions and costs depend on the available offering and individual circumstances.
Why people may consider it
People can have different goals at different life stages: helping to protect dependants, supporting financial commitments, and building contingency plans. A qualified professional can help you understand the choices available to you.
Common coverage considerations
- Potential time away from work
- Out-of-pocket recovery or care costs
- Existing medical, disability and workplace benefits
Factors that can affect premiums
Factors may include age, health history, tobacco use, occupation, coverage amount and duration, location, and underwriting requirements. A personalized discussion is the best way to understand what may apply to you.
Frequently asked questions
How do I know what protection is appropriate?
Begin by considering your goals, obligations and budget, then speak with a qualified professional before making a decision.
Does a submitted request provide coverage?
No. Submission sends information for review; it does not create a policy, quote, approval or confirmation of coverage.