Lifecheque® critical illness insurance

Help protect your finances and focus on recovery

If you develop a critical illness, you may need to take time off work, arrange additional care for your children, travel to specialized treatment centres and more. Help give yourself financial flexibility to do whatever it takes to get better with Lifecheque critical illness insurance.

Core plan:

You receive a tax-free, lump-sum benefit after satisfying the waiting period if you’re diagnosed with one of 24 critical illnesses

Receive partial benefit (25% payout up to $50,000) in the event of a non-life threatening illness

Receive a monthly Care Benefit if you need long term care

Optional add-ons:

Get your premiums back if you surrender your policy early, your policy expires or you die without making a claim

Help protect your children and provide them the opportunity to get their own critical illness insurance when they turn 21, without medical underwriting

If you become totally disabled, we pay the premium 


Note: Above features may be subject to terms and conditions

Choose Lifecheque critical illness insurance to help protect your finances:

Set your own priorities with a benefit you can use to help: 

Replace your income

Manage extra costs

Keep up with mortgage and debt payments

Provide additional income on top of your employee benefits plan

Keep your business running and minimize disruption

Receive your payout faster, with some of your benefit available before the end of the waiting period

Option to convert permanent coverage to a long term care product after 20 years

Find the best resources to make informed health care decisions for you and your loved ones, including a medical second opinion service, with Manulife’s trusted, one-of-a-kind information and support service, Health Service Navigator® *


* Health Service Navigator is offered through and is a registered trademark of Manulife (The Manufacturers Life Insurance Company). Health Service Navigator is powered by WorldCare Inc. WorldCare and The WorldCare Consortium are trademarks of WorldCare Limited, used under license.

Ready to buy?

If you’re ready to buy Lifecheque critical illness insurance, or if you have questions, speak to your advisor. If you don’t have an advisor, we can help you find one.


Frequently asked questions

This is the amount of time between a diagnosis and when a critical illness benefit can be paid. A waiting period is usually 30 days following diagnosis, however the period can vary by definition. Ask your advisor for details or refer to the sample contract for terms and conditions.

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