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.
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
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 Novus Health® and WorldCare Inc. This is a non-contractual benefit and Manulife cannot guarantee its availability.
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.