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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.
⚡ Minimal input: Age + sex + coverage
2026 sample rates
Estimates computed by the rate engine — ranges across all carriers
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Insurance pricing depends heavily on underwriting details (health, driving record, property specifics), so your actual premium usually lands within this estimated range. · /yr
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
Age / sex / smoking / coverage / term → live monthly comparison
Get my instant estimate
Free · as fast as 30 seconds · multiple carriers