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Critical Illness Insurance Canada 2026 — Instant Estimates

Pays a lump sum on diagnosis of a covered condition (cancer, heart attack, stroke). A healthy 35-year-old non-smoker pays about $60-130/month for $100k, 20-year term.

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2026 estimated rates

Estimates computed by the rate engine — ranges across all carriers

ProfileT10T20T30
Male · 30$18.00–$20.00$22.00–$25.00$26.00–$30.00
Male · 40$29.00–$34.00$41.00–$47.00$55.00–$64.00
Male · 50$64.00–$74.00$92.00–$108.00$125.00–$147.00
Female · 30$20.00–$23.00$25.00–$28.00$30.00–$35.00
Female · 40$30.00–$34.00$42.00–$49.00$56.00–$66.00
Female · 50$56.00–$65.00$80.00–$94.00$109.00–$128.00
Insurance pricing depends heavily on underwriting details (health, driving record, property specifics), so your actual premium usually lands within this estimated range. · /mo

What affects your premium

  • ✓Women often pay more than men (higher incidence)
  • ✓Smoker loading is lower than life (about 1.35-1.8x)
  • ✓Coverage definitions and waiting periods differ by carrier — read the fine print
Term life calculator
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