If you’re working in the job market, you can benefit from income protection in case of illness or disability. While this coverage is excellent, it only replaces a part of your income. Having critical illness coverage helps you cover important expenses that must be paid

immediately and allows you to:

• Temporarily leave your job to recover
• Allow your spouse to take time off to support your recovery
• Hire domestic help
• Offset cost of drugs and treatments not covered by the government plan
• Receive nursing care in the convenience of your home
• Avoid taxable withdrawals from your retirement plan or borrowing from a financial institution