A critical illness is a life threatening or altering condition that often strikes with little or no warning. In Canada, one in two men and one in three women will suffer from heart disease (Heart and Stroke Foundation, 2004) and 1:2.3 men and 1:2.6 women will develop cancer (National Cancer Institute of Canada, 2004).
Most people [...]

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For most people, the ability to earn an income is their most important financial asset. If this is taken away, they will not be able to sustain their standard of living or repay their debts. While a person’s most important asset is their ability to earn an income, very few people have their income properly [...]

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