Specialized Life and Health Insurance

Having challenges getting insurance?


Have you been declined for any type of insurance?

Do you have a history of cancer, heart disease, obesity, back pain, depression, or other medical issues?

Are your job hazards, drug use, criminal record, or other lifestyle choices preventing you from getting insurance coverage?

Are you paying higher insurance rates just because you occasionally smoke cannabis?

What happens if you have an extended illness or injury that prevents you from working?

Did you know...?

  • 1 in 3 Canadians will develop a serious illness in their lifetime, such as cancer, stroke, MS, or heart disease

  • 9 in 10 Canadian families report financial difficulties after receiving a cancer diagnosis

  • Depending on which province you live in, the government may not pay for your treatments for cancer and other illnesses

  • 7 in 10 Canadians would face serious financial hardship if they could not work for even 3 months

  • 1 in 3 Canadians will be off work for 3 months or longer due to illness or injury

  • The government's Employment Insurance (EI) Sickness Benefit program only replaces a maximum of 55% of your income (often less), to a maximum of 15 weeks

  • To qualify for the government's Canada Pension Plan (CPP) Disability program, your health condition must be "severe and prolonged" or likely to result in death

  • 50% of all mortgage foreclosures and bankruptcies are due to extended illnesses and injuries

All Specialized Life and Health Insurance Programs

  • Provides specialized insurance options for people who are denied coverage due to medical history, cannabis and other drug use, criminal record, lifestyle, job hazards, or job instability

  • No medical exams

  • Almost anyone can qualify for coverage

  • Life insurance and health insurance coverage usually available even if

    • You've been previously declined

    • You have serious health conditions such as cancer, heart disease, morbid obesity, or multiple sclerosis

    • You engage in hazardous sports, travel, or job activities

    • You have a criminal record or history of hard drug use

  • Insurance applications can be completed online, by video conference (i.e. Skype), by email, or face-to-face

  • Insurance applications can be completed quickly

    • In many cases, within 10 to 45 minutes

  • Once approved, insurance coverage can be issued quickly

    • With some programs, coverage is instantly issued online

    • With other programs, coverage is issued within 3 days

Specialized Life Insurance

  • Provides tax-free funding to your family to safeguard against financial hardship

    • Pay off your mortgage and other debts

    • Provide ongoing income to your family

    • Provide funding for your family's goals, such as your children's education, an emergency fund, or a special gift

    • Cover personal, business, and estate taxes

    • Cover funeral costs and other final expenses

  • Up to $500,000 of coverage available

  • Term or lifetime coverage options available

  • Coverage is available for adults, seniors (up to age 80), and children (ages 6 months to 17 years)

  • Coverage is available for non-residents with a work permit

  • A guaranteed coverage option is available, regardless of poor health, terminal illness, or hazardous lifestyle

  • With some programs, you may qualify for lower insurance rates even if you occasionally smoke cannabis

Specialized Cancer and Illness Funding

  • Provides tax-free, flexible, lump-sum funding for expenses that the public healthcare system does not cover, to protect your life savings and safeguard against medical bankruptcy

    • Immediate access to specialized, private consultations, diagnostic tests, treatments, and medications, anywhere in the world

    • Prescription drugs, treatments, medical or recreational cannabis, and other medical expenses available in Canada, but not covered by any provincial healthcare or employee benefits plan

    • Treatment-related expenses, such as taxi rides to/from the hospital or medical centre, hospital parking, flights, hotels, and meals

    • Care-related expenses, such as specialized medical equipment, home renovations, caregivers, and private nursing

    • Support-related expenses, such as unpaid time off work for your spouse, childcare, cooking, and housekeeping

    • Mortgage and debt payments

    • Holistic, alternative, and experimental treatments

    • Any other expenses you feel are important to cover

  • Up to $100,000 of coverage available

  • Funding is activated when you are diagnosed with any one of four health challenges:

    • Cancer

    • Stroke

    • Heart attack

    • Coronary surgery

Specialized Income Continuation

  • Provides tax-free, continuous monthly funding to cover your lost income, recovery expenses, ongoing bills, and other living expenses, until you are well enough to return to work

  • Protects your life savings and safeguards against medical bankruptcy

  • Up to $2,500 per month of coverage available

  • Funding is activated when an extended illness or injury prevents you from working

Specialized Mortgage and Loan Protection

  • Provides tax-free, continuous monthly funding to cover your mortgage, loan, rent, and other debt payments, until you are well enough to return to work

  • Protects your home, vehicles, life savings, and other assets, and safeguards against medical bankruptcy

  • Up to $2,500 per month of coverage available

  • Your program funding is independent from your mortgage and loan providers

    • You can customize your coverage

    • Your funding is paid directly to you, not your lenders, so you can decide for yourself how best to use the money

    • You can change lenders anytime you want, and still remain fully eligible for the funding

    • Your funding program protects all your loans, regardless how many lenders you have

    • You can replace a repaid loan with another loan if necessary

  • You can receive your full coverage benefit* even if you are receiving income replacement benefits from

    • An employee benefits plan

    • Government benefits

    • Workers Compensation Board (WCB) claims, such as WorkSafeBC income payments

    • Auto insurance claims, such as Insurance Corporation of British Columbia (ICBC) settlements

    • *With the exception of insurance benefits that directly cover your loans

  • Funding is activated when an extended illness or injury prevents you from working

Optional Benefit for Select Programs

  • Health Benefit: After 20 years without claim, you will receive up to 75% of your money back!

    • Only available for the following programs:

      • Specialized Cancer and Illness Funding

      • Specialized Income Continuation

      • Specialized Mortgage and Loan Protection




Josh - Occasional Cannabis Smoker

After renting for years, Josh and Bryanna bought a new condo in a trendy neighbourhood, near the main strip of craft breweries and artisan coffee shops. It was a little expensive, but they love the area and agreed to find ways to make it work. One thing was certain though - if anything were to happen to either one of them, the other would not be able to afford to keep the condo.

Josh and Bryanna each have a small amount of insurance coverage from their companies, but Josh needs another $300,000 of life insurance for the next 20 years or so. Josh was surprised to find out that, even though he was healthy, it would cost him $100/month at age 40 because he smokes cannabis a couple times a week with his buddies.

Bryanna told him about the Specialized Life Insurance program, and Josh learned that he could qualify for the same coverage for only $56/month. Over the next 20 years, Josh could save over $10,000!

Brooke - Drug Use and Speeding Tickets

Brooke works odd hours as a bartender in a restaurant, making $22,000 in salary and tips. Living in the city is expensive, so Brooke rents out a single room in a shared suite for $650/month. She recently bought a $23,000 car, and makes payments of $350/month for her vehicle.

Recently, one of the servers in the restaurant was diagnosed with cancer, and Brooke was surprised that neither the government or the restaurant was going to cover her lost wages. Even worse, some of the cancer treatments were not covered by any provincial healthcare plan.

The following week, Brooke applied for health insurance, but was denied coverage when the insurance company found out she has several speeding tickets, has 7-10 alcoholic drinks a week, and tried some ecstasy recently at a party.

A good friend told Brooke about specialized health insurance programs, and Brooke was able to receive coverage for $50,000 of Specialized Cancer and Illness Funding for non-covered treatments and expenses, $1,500/month of Specialized Income Continuation for her lost wages, and $500/month of Specialized Mortgage and Loan Protection for her rent and car payments. As a 24 year old, Brooke pays $3/day for her complete health insurance plan.

Murray - Poor Health History and Job Hazards

As an experienced ironworker, Murray is all too familiar with the job's daily challenges and hazards. Over the years, several crew members have cut themselves badly on sharp metal, had burns from welding accidents, or strained their backs for months due to heavy lifting and other strenuous tasks.

Now 53 years old, Murray is finally considering getting insurance after his wife retired early due to medical reasons and he had to remortgage the house to pay for his wife's medical bills. As a contract worker, Murray earns $73,000 a year, but doesn't get any employee benefits.

Murray applied for life insurance, critical illness insurance, and disability insurance, but his applications were declined for several reasons:

  • He is overweight, and is taking medications for his high cholesterol level

  • He had colon cancer 3 years ago

  • His dad passed away from colon cancer at age 52

  • His mom had a heart attack at age 56

  • His job is too dangerous, and has a high incidence of career-ending injuries

One of the crew members told Murray about specialized life and health insurance programs, and Murray was able to get coverage for $100,000 of Specialized Life Insurance, $10,000 of Specialized Cancer and Illness Funding, and $2,500/month of Specialized Income Continuation, all for less than $19/day!

Catalina - Chronic Disease and Job Instability

Catalina has lived with multiple sclerosis for many years, but that hasn't stopped her from pursuing her childhood dream of working as a successful artist.

Catalina's $34,000/year income is modest, but enough to support her and her mom in a small, two-bedroom condo, which they rent for $1,100/month. However, Catalina is worried that, if something should happen to her or if she can't work, her mom will be forced into poverty.

When Catalina applied for insurance last year, she was denied because of her multiple sclerosis condition and job instability as an artist. A good friend told Catalina about specialized life and health insurance programs, and Catalina was able to get coverage for $300,000 of Specialized Life Insurance, $25,000 of Specialized Cancer and Illness Funding, $1,500/month of Specialized Income Protection, and $1,000/month of Specialized Mortgage and Loan Protection for the rent. At age 31, Catalina was able to get a complete life and health insurance plan for less than $7/day!

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