$15K to $500K
Flexible coverage
10/20/30 years
or for life
25+
Covered Diseases
100%
Lump sum payment
Your quote in a few clicks
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Why choose Target Access?
AMF certified advisors
All of our financial security advisors are accredited by the Autorité des marchés financiers du Québec.
Multi-insurer comparison
We compare the offers of several companies to get you the best premium adapted to your profile.
Personalized service
A dedicated advisor explains each clause and helps you choose the right coverage for your family.
Frequently asked questions
What is critical illness insurance?
Critical illness insurance pays a tax-free lump sum if you are diagnosed with a covered illness (cancer, heart attack, stroke, etc.). You use it as you see fit: treatments, loss of income, mortgage, etc.
What diseases are covered?
Depending on the contract: cancer, myocardial infarction, stroke, multiple sclerosis, paralysis, kidney failure, organ transplant, Alzheimer’s, Parkinson’s, and more than 25 other conditions depending on the insurer chosen.
What amount should I choose?
The general rule: 1 to 2 times your annual income to cover treatments, loss of income and unforeseen events. Our advisor will analyze your situation to suggest an appropriate amount between $15,000 and $500,000.
10 years, 20 years, 30 years or life: which one should you choose?
10-30 years: lower premium, ideal for covering a specific period of time (e.g., mortgage term, years with dependent children). Lifetime: higher premium but permanent protection, often with cash value. Our advisor will help you choose.
Does smoking status affect the premium?
Yes, considerably. Smokers pay on average 50% to 100% more. If you have been quit smoking for more than 12 months, you are eligible for the non-smoking rate.
How long does it take to get a response?
An Accès-Cible financial security advisor will contact you within 24 to 48 business hours of your request to finalize your personalized quote.
Ready to protect what matters?
Get your free, no-obligation quote. An Accès-Cible advisor will contact you shortly.
Free quote 1-866-357-4451