Critical Illness Insurance2021-12-14T20:05:39+00:00

Buy Critical Illness Insurance From The Comfort Of Your Home

Buy Critical Illness Insurance From The Comfort Of Your Home

Do you need Critical Illness insurance?

Critical illness insurance helps to pay costs associated with life-altering illnesses. It allows you to focus on getting better by helping you replace any lost income if you or your spouse need to take time off work.

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What is Critical Illness Insurance?

What is Critical Illness Insurance?

Similar to Life Insurance, Critical Illness Insurance is a term insurance policy that will pay out a defined lump sum in the event you’ve been diagnosed with a serious illness.

With that lump sum payout, you have the flexibility to use that money to help make ends meet while you’re ill — including medical costs, non-medical expenses like lost income, transportation/travel costs, etc., recovery therapies, and more.

Why choose Critical Illness Insurance?

Critical Illness can happen to anyone and strike when you least expect it. However, many Canadians fail to plan for the financial impact of an extended illness, leaving your future in the balance. By implementing Critical Illness Insurance as part of a long-term plan, you’re choosing:

  • Tax-Free Lump Sum
  • Flexible cash flow to cover expenses or lost income
  • Extended coverage — critical illness insurance covers the expenses your medical benefits may not
  • And ultimately, peace of mind in a difficult situation

Why choose MDL Critical Illness Insurance?

  • Fast, Easy, and convenient.

  • Personalized quotes that suit your needs and budget.

  • Pressure free guidance – no pushy sales.

  • 30+ years experience crafting insurance packages that give you peace of mind.

  • No cost or fee to use our services at any time.

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Frequently asked questions

How is MDL Financial Group different from going to an insurance company directly?2021-12-14T19:56:17+00:00

Life insurance companies can only offer their own products and solutions. As an independent insurance broker, we are able to compare multiple insurance companies products and solutions to find the right one for you.

Are there any fees to deal with MDL Financial Group?2021-12-14T19:57:27+00:00

There are absolutely no fees to purchase insurance with MDL Financial Group.

How does MDL Financial Group get paid?2021-12-14T19:58:25+00:00

We are compensated directly from insurance companies when you purchase a policy, with no out-of-pocket cost to you.

Is it cheaper to buy insurance directly from the insurance company?2020-09-19T01:28:40+00:00

Simple answer, no! As a completely independent insurance broker we have the ability to compare multiple companies and can offer the exact same quote as an in-house insurance representative. The difference is we are able to compare multiple companies instantly and provide you the best solution.

Will you outsource my information to other companies?2020-09-19T01:28:40+00:00

Never! We offer in-house advice and will never sell or distribute your information.

Will there be any pressure to buy a policy immediately?2020-09-19T01:28:40+00:00

We can 100% guarantee you will NEVER be pressured to purchase any policy at any time. We are here to help you make an educated decision when the time is right for you.

Will my policy be with the insurance company or MDL Financial Group?2020-10-02T10:58:53+00:00

Your policy will always remain directly with the insurance company. All premiums and policy information are collected and stored with the insurance company directly.

Is MDL Financial Group licensed?2020-10-02T10:58:21+00:00

Yes we are licensed to sell insurance anywhere in the province of Ontario, Quebec and British Columbia.

When is the best time to buy life insurance?2020-09-19T01:28:40+00:00

Every situation is unique. However today you may be insurable and tomorrow you may not. Furthermore, with added pressure on interest rates, insurance companies are starting to increase premiums. If you have a need for life insurance, it is always best to get insurance as soon as possible.

What is the difference between Whole Life and Term Life Insurance?2020-09-19T01:28:40+00:00

Whole Life is a permanent lifelong insurance solution which offers both a savings component and insurance. Term Life is a temporary solution which offers guaranteed premium and coverage for a specified period of time.

How much life insurance do I need?2020-09-19T01:28:40+00:00

Depending on your circumstances there are multiple ways to calculate how much insurance you may require. It could be a combination of eliminating debts, providing final expenses or replacing income. Whatever the methodology it comes down to what gives you peace of mind. Working with our experts we will provide guidance, however ultimately you will make the decision that puts your mind at ease.

How much does life insurance cost?2021-12-14T20:02:03+00:00

Many factors contribute to the cost of insurance. Age, smoking status, face amount, length of term and medical risks are all taken into account. Our experts at MDL Financial Group will compare options to find the best solution for you.

Can you get coverage if you have health issues?2020-09-19T01:28:39+00:00

Yes it is certainly possible to get insurance. We have access to a wide variety of policies for all different types of health history.

Can I cancel my application or policy without any penalty?2020-09-19T01:28:39+00:00

You will always have complete control and are able to cancel any application at any time without penalty. Once the policy is put in force, you have a 10 day free no obligation look at the policy. Thereafter, you may cancel at any time without penalty regardless of the term (minus the premiums paid during the time coverage was in place). Note some policies may have a return of premium or cash value which after a certain time may allow you to receive 100% or more of all premiums paid.

How do I connect with someone to get a quote?2020-10-02T10:53:29+00:00

We offer multiple ways to service your needs. Phone, email, text, video conferencing and in person are all available.

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Find out how Ottawa’s best financial advisor can help you live the life you’ve always dreamed of.

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