ABOUT CRITICAL ILLNESS
What Is It?
How Does It Work?

GROUP BENEFITS
Extended Health
Dental Services
Travel Coverage
Life Insurance
Short Term Disability
Long Term Disability

When you're healthy, you're probably not thinking about coping with a critical illness. However, that may be the best time to consider the impact an illness could have on you, your family and your finances.

Birnco Financial Group can offer you protection. Comprehensive coverage for 21 critical illnesses and life-altering conditions.

Alzheimer Disease Life Threatening Cancer Parkinson's Disease Benign Brain Tumour Loss of Independence Renal Failure Blindness Loss of Limbs Severe Burns Coma Loss of Speech Stroke or CVA Surgery for Coronary Artery    Disease Motor Neuron Disease   (ALS) Failure of a Vital Organ  Requiring a Transplant Deafness Occupational HIV Infection Transplant of a Vital Organ Hearth Attack Paralysis

Key Benefits

• Lump sum cash benefit to spend as you choose
• Freedom to make choices regarding your treatment, care and recovery
• Financial independence during a difficult time
• Preservation of your investments
• Benefit is a tax free payment
• Additional purposes are:
  • Use as a supplement for your disability insurance,
  • Safe guarding your retirement,
  • Payment for medical services not available or covered in Canada,
  • Re-training for a new career,
  • Business purposes (ex. to buy out disable partners/shareholders