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Critical Illnesses and Conditions

Childhood diseases:

  • Autism spectrum disorder
  • Rett syndrome
  • Cystic fibrosis

Cancers and Tumours:

  • Benign Brain Tumour
  • Cancer (Life-Threatening)


  • Aortic Surgery
  • Coronary Artery Bypass Surgery
  • Heart Attack
  • Heart Valve Replacement or Repair
  • Stroke (Cerebrovascular accident)


  • Bacterial Meningitis
  • Dementia, including Alzheimer’s disease
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Parkinson’s Disease and Specified Atypical Parkinsonian Disorders

Vital Organs:

  • Kidney Failure
  • Major Organ Failure on Waiting List
  • Major Organ Transplant

Accident and functional loss:

  • Acquired Brain Injury
  • Blindness
  • Coma
  • Deafness
  • Loss of Limbs
  • Loss of Speech
  • Paralysis
  • Severe Burn


  • Aplastic anemia
  • Occupational HIV Infection
  • + Long-Term Care

Have your cake and eat it too??!!


Give your children the gift of Lifetime Insurability.  For as little as $50 per month they can have Whole Life and 29 Critical Illness coverage of $50000. No Medicals.

Plan is paid for in full in 20 years and coverage lasts a lifetime.  Unless they need it for an emergency or savings plan, then they can choose to collapse the policy and get 100% of the premiums paid refunded in full.  Coverage is there for financial support so you can afford to be there with them if, god forbid, they got a critical illness.  Pay for out of country or alternative treatment.  The choices are yours.

We have a better solution

  • You want your kids to have paid up lifetime coverage
  • Lifetime insurability regardless of health
  • Maybe you’ve had a health and financial crisis and you want to ensure your children never have to endure the same
  • Affordable coverage
  • Return of Premiums
  • Paid up in 20 years, coverage lasts forever
  • Provides insurance with a backstop emergency fund or savings plan
  • Desjardins Child Life and Critical Illness Duo for as little as $50/month
  • Combined Insurance Family Cancer, Heart Attack and Stroke coverage with family discounts

Additional information:

Children's Life and Critical Illness Duo Video