{"id":15587,"date":"2014-09-04T01:04:35","date_gmt":"2014-09-04T05:04:35","guid":{"rendered":"https:\/\/www.assur360.ca\/critical-illness-insurance-4\/"},"modified":"2026-04-20T15:18:18","modified_gmt":"2026-04-20T19:18:18","slug":"critical-illness-insurance-4","status":"publish","type":"page","link":"https:\/\/www.assur360.ca\/en\/critical-illness-insurance-4\/","title":{"rendered":"Critical Illness Insurance: 24 Illness Protection Quebec 2026"},"content":{"rendered":"\n<style>#ez-toc-container{display:none!important}<\/style>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"InsuranceAgency\",\n  \"name\": \"Assur360\",\n  \"url\": \"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\",\n  \"logo\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2023\/11\/assur360-logo.png\",\n  \"telephone\": \"+1-866-357-4451\",\n  \"address\": {\n    \"@type\": \"PostalAddress\",\n    \"streetAddress\": \"221 boul. Frontenac Ouest\",\n    \"addressLocality\": \"Thetford Mines\",\n    \"addressRegion\": \"QC\",\n    \"postalCode\": \"G6G 1N3\",\n    \"addressCountry\": \"CA\"\n  },\n  \"areaServed\": \"Qu\u00e9bec\",\n  \"serviceType\": [\"Assurance maladies graves\", \"Protection 24 maladies\", \"Assurance cancer\", \"Assurance AVC\"],\n  \"hasCredential\": \"Certifi\u00e9 AMF (Autorit\u00e9 des march\u00e9s financiers)\"\n}\n<\/script>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">One in two Canadians will be affected by <strong>cancer<\/strong> in their lifetime and a stroke strikes a Quebecer every 10 minutes. <strong>Critical illness insurance<\/strong> pays out a <strong>tax-free lump sum capital<\/strong> upon diagnosis to cover lost income, out-of-pocket care and recovery time. <strong>Assur360<\/strong> compares the best coverage 24 illnesses via our <strong>AMF-certified brokers<\/strong> \u2014 free quote in 3 minutes. <\/p>\n\n<div style=\"display:flex;align-items:center;gap:40px;margin:40px 0 56px;background:linear-gradient(145deg,#f8fafc,#f0f9ff);border-radius:20px;padding:40px;border:1px solid #e2e8f0;flex-wrap:wrap;\">\n  <img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/04\/assurance-maladie-grave.jpg\" alt=\"Protected family \u2014 Assur360 critical illness insurance\" style=\"width:45%;max-width:420px;border-radius:16px;flex-shrink:0;height:auto;\" loading=\"lazy\"\/>\n  <div style=\"flex:1;min-width:280px;\">\n    <p style=\"color:#10c4c7;font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">IN BRIEF<\/p>\n    <h2 class=\"wp-block-heading\" style=\"color:#0d1f2d;font-size:26px;font-weight:800;margin:0 0 16px;line-height:1.3;font-family:'Sora',sans-serif;\"><span class=\"ez-toc-section\" id=\"Critical-illness-insurance\"><\/span>Critical illness insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p style=\"color:#475569;font-size:16px;line-height:1.7;margin:0 0 12px;\"><strong>Critical illness insurance<\/strong> pays a lump sum (typically <strong>$50,000 to $250,000<\/strong>) upon diagnosis of a covered illness (cancer, stroke, heart attack, multiple sclerosis, etc.). Tax-free money, usable however you want. <\/p>\n    <p style=\"color:#475569;font-size:15px;line-height:1.7;margin:0;\"><strong>Difference vs. salary:<\/strong> Salary insurance replaces income during disability. Critical illness insurance pays a lump sum upon diagnosis, regardless of your ability to work. Often complementary.  <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">CRITICAL ILLNESS QUOTE<\/p>\n  <h2 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\"><span class=\"ez-toc-section\" id=\"Paid-up-capital-upon-diagnosis-starting-at-22-month\"><\/span>Paid-up capital upon diagnosis, starting at $22 \/ month<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Protection for 24 diseases including cancer, stroke and heart attack. Tax-free amount. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Get my free quote<\/a>\n<\/div>\n\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:0 0 40px;border-radius:12px;overflow:hidden;border:1px solid #e2e8f0;\">\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">24<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Covered critical illnesses<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">9+<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Insurers Compared<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;border-right:1px solid #e2e8f0;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">3 min<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">To get a price<\/div>\n  <\/div>\n  <div style=\"background:#f8fafc;padding:24px;text-align:center;\">\n    <div style=\"color:#10c4c7;font-size:32px;font-weight:800;margin-bottom:4px;\">100 %<\/div>\n    <div style=\"color:#64748b;font-size:13px;\">Free and without obligation<\/div>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-critical-illness-insurance-is-essential-in-Quebec\"><\/span>Why critical illness insurance is essential in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">The RAMQ covers basic medical care, but not loss of income, alternative care, uninsured specialty drugs, home adaptations or family assistance. According to the Canadian Cancer Society, a diagnosis costs an average <strong>of $33,000 in uncovered expenses<\/strong> in the first year. Critical illness insurance pays a <strong>one-time, tax-free lump sum ($<\/strong> 50,000, $100,000 or more) that you use freely: debts, mortgage, treatment abroad, recovery travel.  <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udcb0<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Tax-free lump sum capital<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">One-off amount paid in 30 days after confirmation of diagnosis. No taxes to pay, free use. <\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83c\udfe5<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Covers forgotten expenses<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Off-form medications, private treatments, trips to specialized hospitals, home help, loss of income for the spouse.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-top:4px solid #10c4c7;border-radius:12px;padding:28px;\">\n    <div style=\"font-size:32px;margin-bottom:16px;\">\ud83d\udee1\ufe0f<\/div>\n    <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 12px;\">Complements your life insurance<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\"><a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/\" style=\"color:#10c4c7;\">Life insurance<\/a> pays when you die, critical illness pays during illness \u2014 you get the amount during your lifetime.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-24-Critical-Illnesses-Typically-Covered\"><\/span>The 24 Critical Illnesses Typically Covered<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Extended policies in Canada cover up to <strong>24 critical illnesses and conditions<\/strong>. The three main ones (cancer, stroke, heart attack) account for more than 85% of claims. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83c\udf97\ufe0f Major cancers<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Breast, colon, lung, prostate, ovarian, leukemia, lymphoma cancer. <strong>1 in 2 Canadians<\/strong> affected in their lifetime.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\u2764\ufe0f Heart conditions<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Heart attack, coronary artery bypass graft, valve replacement, heart failure, transplant.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83e\udde0 Neurological<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Stroke, Alzheimer&#8217;s, Parkinson&#8217;s, multiple sclerosis, ALS, benign brain tumor.<\/p>\n  <\/div>\n  <div style=\"background:#f8fafc;border:1px solid #e2e8f0;border-left:4px solid #10c4c7;border-radius:0 12px 12px 0;padding:24px;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 10px;\">\ud83e\udec1 Vital organs<\/h3>\n    <p style=\"color:#334155;font-size:14px;line-height:1.6;margin:0;\">Renal failure, major organ transplant, loss of autonomy, blindness, deafness, paralysis, severe burns.<\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How-to-get-your-critical-illness-quote\"><\/span>How to get your critical illness quote<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:flex;flex-direction:column;gap:20px;margin:32px 0;\">\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">1<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Fill out the online form<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Age, smoking, family history. Less than 3 minutes.<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">2<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Analysis of your needs by an AMF broker<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">The broker determines the required capital (rule: 1 to 2 years of income + immediate debts).<\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">3<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Comparison of several insurers<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Number of covered illnesses, deadlines, premium return clauses. The broker presents you with the 2-3 best offers. <\/p><\/div>\n  <\/div>\n  <div style=\"display:flex;gap:20px;align-items:flex-start;\">\n    <div style=\"background:#10c4c7;color:#0d1f2d;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:16px;flex-shrink:0;min-width:36px;\">4<\/div>\n    <div><h3 style=\"color:#0d1f2d;margin:0 0 8px;\">Medical questionnaire and enforcement<\/h3><p style=\"color:#334155;margin:0;line-height:1.6;\">Depending on age and capital, simplified questionnaire or free paramedical examination. Policy issued in a few days. <\/p><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d2d2d,#0a2a2a);border:2px solid #10c4c7;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\ud83d\udca1<\/div>\n  <div>\n    <p style=\"color:#10c4c7;font-weight:700;font-size:16px;margin:0 0 8px;\">Pro tip: the bonus return option<\/p>\n    <p style=\"color:#94a3b8;font-size:14px;margin:0;line-height:1.6;\">Many insurers offer a <strong style=\"color:#ffffff;\">return of premium option if no illness is diagnosed<\/strong> at the end of the contract (15 or 20 years). You get back 100% of what you paid. A little higher premium but zero loss if you stay healthy.  <\/p>\n  <\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Critical-Illness-Insurance-Rates-2026-Quebec\"><\/span>Critical Illness Insurance Rates 2026 Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Indicative monthly premium examples for <strong>$100,000<\/strong> principal, 25 illness coverage, coverage at age 75, non-smoker.<\/p>\n\n<div style=\"overflow-x:auto;margin:32px 0;\">\n  <table style=\"width:100%;border-collapse:collapse;font-size:14px;\">\n    <thead>\n      <tr style=\"background:#0d1f2d;color:#ffffff;\">\n        <th style=\"padding:14px 16px;text-align:left;border:none;\">Subscription<\/th>\n age<th style=\"padding:14px 16px;text-align:left;border:none;\">Non-smoking<\/th>\n woman<th style=\"padding:14px 16px;text-align:left;border:none;\">Non-smoking<\/th>\n male<th style=\"padding:14px 16px;text-align:left;border:none;\">With return of premiums<\/th>                        \n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">30 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$22\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$28\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ 40 to 55%<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">40 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$46\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$62\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ 40 to 55%<\/td>\n      <\/tr>\n      <tr style=\"background:#f8fafc;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">50 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$102\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$148 \/ month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ 45 to 60%<\/td>\n      <\/tr>\n      <tr style=\"background:#ffffff;\">\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;font-weight:600;color:#0d1f2d;\">60 years<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$225\/month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#10c4c7;font-weight:700;\">$330 \/ month<\/td>\n        <td style=\"padding:12px 16px;border-bottom:1px solid #e2e8f0;color:#334155;\">+ 50 to 65%<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"color:#64748b;font-size:13px;font-style:italic;text-align:center;\">*2026 Indicative Rates \u2014 Principal $100,000, 25 Illnesses. <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\">Your exact price in 3 minutes<\/a>.<\/p>\n\n<div style=\"background:#fef2f2;border:2px solid #ef4444;border-radius:12px;padding:24px;margin:32px 0;display:flex;gap:16px;align-items:flex-start;\">\n  <div style=\"font-size:28px;flex-shrink:0;\">\u26a0\ufe0f<\/div>\n  <div>\n    <p style=\"color:#991b1b;font-weight:700;font-size:16px;margin:0 0 8px;\">Undisclosed condition = claim denial<\/p>\n    <p style=\"color:#7f1d1d;font-size:14px;margin:0;line-height:1.6;\">Critical illness insurance is a contract of good faith. <strong>Any medical condition not declared<\/strong> at the time of subscription may lead to a refusal of payment. The broker guides you to report correctly \u2014 they know the most flexible insurers for each situation. <\/p>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">ACT NOW<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Premium increases every year \u2014 lock in your rate<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Permanent protection at current rates. No commitment, cancellable at any time. <\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;\">Compare insurers in 3 minutes<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Critical-illness-service-throughout-Quebec\"><\/span>Critical illness service throughout Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155;\">Our AMF-certified brokers accompany families in <strong>Montreal<\/strong>, <strong>Quebec City<\/strong>, <strong>Sherbrooke<\/strong>, <strong>Gatineau<\/strong>, <strong>Laval<\/strong>, <strong>Trois-Rivi\u00e8res<\/strong>, <strong>Saguenay<\/strong>, <strong>Thetford Mines<\/strong> and everywhere else in Quebec. Telephone or videoconference consultation, 100% electronic signature, service in French. <\/p>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related-articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin:32px 0;\">\n  <a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udee1\ufe0f Life insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protection for your loved ones in the event of death. Temporary or permanent. <\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/salary-insurance-3\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udcbc Salary insurance (disability)<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Monthly income if illness prevents you from working.<\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/mortgage-insurance-3\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83c\udfe1 Mortgage insurance<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">Protect your biggest investment. Alternative to bank insurance. <\/p>\n  <\/a>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quote-insurance-product\/\" style=\"background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;padding:24px;text-decoration:none;display:block;\">\n    <h3 style=\"color:#0d1f2d;font-size:16px;margin:0 0 8px;\">\ud83d\udccb All our products<\/h3>\n    <p style=\"color:#64748b;font-size:14px;margin:0;\">17 products compared: auto, home, business, life, health.<\/p>\n  <\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div style=\"margin:32px 0;\">\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What is the difference between life and critical illness insurance?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><a href=\"https:\/\/www.assur360.ca\/en\/life-insurance-compare-online\/\">Life insurance<\/a> pays the capital on <strong>death<\/strong> to the designated beneficiaries. Critical illness insurance pays the capital <strong>to you, during your lifetime<\/strong>, as soon as a covered illness is diagnosed. The two are complementary.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">How long after diagnosis do I get paid?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Depending on the disease, a <strong>survival period<\/strong> of 30 days applies (up to 90 days for stroke or heart attack). Once the period has passed and the diagnosis confirmed by a doctor, the capital is paid out in <strong>2 to 4 weeks<\/strong>. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is the amount taxable in Quebec?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">No. The critical illness capital is <strong>completely tax-free<\/strong>, both federally and provincially. You use it freely: debt repayment, treatment, convalescent travel, family help. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Which capital should I choose?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">The usual rule: <strong>1 to 2 years of gross income<\/strong> plus short-term debts. Example: income $70,000 + card and car loan balance $15,000 = suggested principal $150,000. The broker adjusts according to your expenses and your budget.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Is skin cancer covered?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Invasive melanomas<\/strong> (stage 1A+) are covered as major cancers. Stage 0 basal cell or squamous cell carcinomas are usually not (high-end fonts partially offer). <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">What if my parents had cancer?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\"><strong>Family history<\/strong> increases the premium or may trigger specific exclusions. An AMF broker knows the most flexible insurers for each track record \u2014 that&#8217;s where you see the value of shopping. <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">Can I add it to my life insurance policy?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Yes, many insurers allow a <strong>critical illness endorsement<\/strong> to an existing life policy. It is more economical, but often less comprehensive than an autonomous police force. The broker analyzes which one is the most advantageous.  <\/div>\n  <\/details>\n  <details style=\"border:1px solid #e2e8f0;border-radius:8px;padding:0;margin-bottom:12px;overflow:hidden;\">\n    <summary style=\"padding:18px 20px;cursor:pointer;font-weight:600;color:#0d1f2d;list-style:none;background:#f8fafc;\">From what age can you subscribe?<\/summary>\n    <div style=\"padding:16px 20px;color:#334155;line-height:1.7;border-top:1px solid #e2e8f0;\">Most insurers cover <strong>from age 0 to 65<\/strong> (some up to age 70). Children can be covered with a <strong>children&#8217;s policy<\/strong> as early as 30 days \u2014 the premiums are very affordable. <\/div>\n  <\/details>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"Quelle est la diff\u00e9rence entre assurance vie et maladies graves ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L'assurance vie verse le capital au d\u00e9c\u00e8s aux b\u00e9n\u00e9ficiaires. L'assurance maladies graves verse le capital \u00e0 vous, de votre vivant, d\u00e8s qu'une maladie couverte est diagnostiqu\u00e9e.\"}},\n    {\"@type\":\"Question\",\"name\":\"Combien de temps apr\u00e8s le diagnostic suis-je pay\u00e9 ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un d\u00e9lai de survie de 30 jours s'applique (jusqu'\u00e0 90 jours pour AVC ou crise cardiaque). Le capital est vers\u00e9 en 2 \u00e0 4 semaines apr\u00e8s confirmation.\"}},\n    {\"@type\":\"Question\",\"name\":\"Le montant est-il imposable au Qu\u00e9bec ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Le capital maladies graves est enti\u00e8rement non imposable, autant au f\u00e9d\u00e9ral qu'au provincial.\"}},\n    {\"@type\":\"Question\",\"name\":\"Quel capital dois-je choisir ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La r\u00e8gle habituelle : 1 \u00e0 2 ann\u00e9es de revenu brut plus les dettes \u00e0 court terme.\"}},\n    {\"@type\":\"Question\",\"name\":\"Le cancer de la peau est-il couvert ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les m\u00e9lanomes invasifs (stade 1A+) sont couverts. Les carcinomes basocellulaires ou \u00e9pidermo\u00efdes de stade 0 ne le sont g\u00e9n\u00e9ralement pas.\"}},\n    {\"@type\":\"Question\",\"name\":\"Et si mes parents ont eu un cancer ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les ant\u00e9c\u00e9dents familiaux peuvent augmenter la prime ou d\u00e9clencher des exclusions. Un courtier AMF conna\u00eet les assureurs les plus souples.\"}},\n    {\"@type\":\"Question\",\"name\":\"Puis-je l'ajouter \u00e0 ma police d'assurance vie ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui, plusieurs assureurs permettent un avenant maladies graves \u00e0 une police vie existante.\"}},\n    {\"@type\":\"Question\",\"name\":\"\u00c0 partir de quel \u00e2ge peut-on souscrire ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"De 0 \u00e0 65 ans (certains jusqu'\u00e0 70 ans). Les enfants d\u00e8s 30 jours.\"}}\n  ]\n}\n<\/script>\n\n<div style=\"background:#f0fdfa;border:1px solid #10c4c7;border-radius:12px;padding:28px;margin:32px 0;\">\n  <h3 style=\"color:#0d1f2d;font-size:18px;margin:0 0 16px;\">Why trust Assur360?<\/h3>\n  <div style=\"display:grid;grid-template-columns:repeat(2,1fr);gap:12px;\">\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>AMF<\/strong> certified firm<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>ChAD<\/strong> Member<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\">More than <strong>100,000 submissions processed<\/strong><\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>13 partner firms<\/strong> in Quebec<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>Independent<\/strong> brokers<\/span><\/div>\n    <div style=\"display:flex;align-items:center;gap:8px;\"><span style=\"color:#10c4c7;font-weight:700;\">\u2713<\/span><span style=\"color:#334155;font-size:14px;\"><strong>100% free<\/strong> service<\/span><\/div>\n  <\/div>\n<\/div>\n\n<div style=\"background:linear-gradient(135deg,#0d1f2d,#1a3a4a);border-radius:16px;padding:40px;text-align:center;margin:40px 0;\">\n  <p style=\"color:#94a3b8;font-size:14px;text-transform:uppercase;letter-spacing:2px;margin:0 0 12px;\">FREE QUOTE<\/p>\n  <h3 style=\"color:#ffffff;font-size:28px;margin:0 0 16px;\">Protect your finances from critical illness<\/h3>\n  <p style=\"color:#94a3b8;margin:0 0 28px;\">Tax-free lump sum capital, 24 covered illnesses, throughout Quebec.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/quick-quote-life-insurance\/\" style=\"background:#10c4c7;color:#0d1f2d;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;margin-right:12px;\">Get My Quote<\/a>\n  <a href=\"tel:+18663574451\" style=\"background:transparent;color:#ffffff;padding:16px 36px;border-radius:8px;font-weight:700;text-decoration:none;font-size:16px;display:inline-block;border:2px solid #ffffff;\">1-866-357-4451<\/a>\n<\/div>\n\n<script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n    {\"@type\":\"ListItem\",\"position\":2,\"name\":\"Produits d'assurance\",\"item\":\"https:\/\/www.assur360.ca\/produit-assurance\/\"},\n    {\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance maladies graves\",\"item\":\"https:\/\/www.assur360.ca\/assurance-maladie-grave\/\"}\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>One in two Canadians will be affected by cancer in their lifetime and a stroke strikes a Quebecer every 10 minutes. Critical [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":46307,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"%%post_title%%","_seopress_titles_desc":"Purchase critical illness insurance to cover the high costs of critical illnesses and provide peace of mind for your family.","_seopress_robots_index":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","yasr_pro_reviews_in_comment_enabled":0,"footnotes":""},"class_list":["post-15587","page","type-page","status-publish","has-post-thumbnail","hentry"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15587","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/comments?post=15587"}],"version-history":[{"count":10,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15587\/revisions"}],"predecessor-version":[{"id":57862,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/pages\/15587\/revisions\/57862"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media\/46307"}],"wp:attachment":[{"href":"https:\/\/www.assur360.ca\/en\/wp-json\/wp\/v2\/media?parent=15587"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}