In Canada more than 40% of Canadians will be diagnosed with a critical illness. The vast majority will survive but the costs can be devastating. With Critical Illness (CI) insurance you will receive a lump sum payment with no strings attached. Whether you want the funds to take time off of work to focus on getting better, seek treatment abroad or to spend time with family, the decision is up to you. You may also have the option to receive your premiums back if you remain healthy.