A serious illness can change your life in an instant—but it shouldn’t destroy your finances. Critical Illness Insurance provides a tax-free lump-sum payment if you are diagnosed with a covered condition such as cancer, stroke, heart attack, organ failure, or other major illnesses.
At Hilltop Financials, we help individuals and families across Canada understand their options, calculate how much protection they need, and choose the right plan for long-term financial security and peace of mind.
Canada’s healthcare system covers many medical services, but not the financial impact that comes with a major diagnosis. Critical illness insurance bridges that gap by giving you a lump-sum payout you can use for anything you need—including
This coverage ensures you can focus on healing instead of worrying about bills.
Most Canadian insurers cover 25+ conditions, including
Coverage varies by insurer, which is why comparing providers is essential. Hilltop Financials helps you understand differences and choose the right plan.
We offer all major CI insurance options available in Canada.
Provides a one-time lump sum payout upon diagnosis of a covered illness.
Ideal for Families, Homeowners, and Anyone relying on their income.
Covers a broader list of illnesses and provides more flexible payout options.
Best for High-income earners, Business owners, and those wanting robust financial protection.
A popular upgrade where you can receive 100% of your premiums back if you never make a claim, cancel your policy after a certain time, and pass away before making a claim.
This makes CI protection a long-term asset instead of only a cost.
Specialized plans that offer coverage for childhood conditions and include savings components.
Benefits include:
Lump-sum payout for childhood illnesses, Access to funds for medical travel, and Return of premium at adulthood (depending on plan).
Many Canadians confuse these two types of protection. Here’s the difference
Most families benefit from having both, and Hilltop Financials can help you combine them affordably.
Your ideal coverage depends on your income, lifestyle, debts, and financial obligations.
Our advisors calculate an amount that ensures stability during recovery.
Recovering from a major illness is challenging enough—your finances shouldn’t make it harder. Let Hilltop Financials help you choose the right protection for your family’s needs.
