Critical Illness policies provide lump-sum payments that can be used to cover many costs related to illness — including medical care, travel expenses or wages of a family member leaving work to help.

Like Life Insurance, Critical Illness Insurance can be an important element in your financial plan. By paying you cash benefits when you are diagnosed with a listed, life threatening illness, it gives you time and maybe a few more options in how you will respond.

 Critical illness insurance covers an individual against illnesses such as heart attack, stroke and cancer and is sold in terms of 10 years, 20 years, to the age of 75 or the age of 100, with the option to lock in premiums. Policies can range from covering three medical conditions to as many as 24.

They have a variety of riders, such as a return-of-premium rider; a second-event rider, which offers limited coverage if you are diagnosed with a second critical illness; a loss of independent existence rider; and a disability waiver-of-premium rider, which lets you off the hook for the premium if you've been totally disabled for 90 days.

MoneyValue provides the best solution that fits your unique needs.


CLICK HERE Today for a Quote and Online Application For Critical Illness Insurance


Income Replacement Insurance, or disability Insurance, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD).

The risk of disability is higher than you might think. In fact, 1 in 3 Canadians will experience a period of disability lasting longer than 90 days1, indicating that we are overly optimistic about our chances of avoiding disability during our working lives.

Did You Know?

  • 62% of Canadian workers have been exposed to someone who has had to take time off work due to a disability
  • 43% of Canadian workers have had an immediate family member or have themselves had to take time off work due to a disability
  • 1 in 7 Canadians are disabled at any given time

Business overhead expense disability insurance

Business Overhead Expense (BOE) coverage reimburses a business for overhead expenses should the owner experience a disability. Eligible benefits include: rent or mortgage payments, utilities, leasing costs, laundry/maintenance, accounting/billing and collection service fees, business insurance premiums, employee salaries, employee benefits, property tax, and other regular monthly expenses.


Insure your paycheque

The ability to earn an income is one of your most valuable assets. Your ability to provide for yourself and your family could come under risk if you are unable to work. Disability insurance can help maintain your lifestyle until you are able to return to work.
If you are unable to work due to an illness or injury and thus are unable to earn an income, you will receive a monthly payment after a pre-determined waiting period has passed. You might already have disability insurance through your employer, but you should be aware that this coverage may not meet all your needs. Individual disability insurance can provide you with more flexibility and can also help protect more of your earnings.

Contact MoneyValue and Apply Now For Disability Insurance.







Insurance products and services are offered by Edwin E. Masango


Building Your Wealth.
Our goal is to help you create wealth, manage this wealth in the most tax advantaged manner, and ultimately transfer this wealth according to your wishes. Provide you with a Financial Plan that best meets your goals.

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