Critical illness insurance for business owners
Get coverage in case of a critical illness to make sure your business can keep running smoothly.

Why take out critical illness insurance for your business?
Protect yourself
If you (or another key employee) are diagnosed with a critical illness, you’ll have coverage in place so you can focus on your recovery.
Protect your business
The payout can be used to cover expenses, so you can ensure business continuity and stability.
Features
Coverage for various illnesses
26 critical illnesses, conditions and surgeries
Coverage amount options
Ranging from $10,000 to $3,000,000
Coverage length options
A fixed period of time or for life
Executive Health Plan
An Executive Health Plan allows you to co-own an insurance policy with your company.
Get tax benefits
If you remain healthy, you can get back up to 100% of the premiums paid without tax consequences, subject to certain conditions.
Share premium payments
Your company pays the premiums for the critical illness and death benefits. You pay the premiums for the health benefit.
Types of benefits
Health benefit
You get back the premiums paid.
Critical illness and death benefits
Your company receives a tax-free benefit.
Good to know
Being diagnosed with a critical illness by your doctor doesn’t mean you automatically qualify for a benefit payment. Check that your illness or condition meets the definition in the policy.
Sometimes only severe cases are covered. And there may be limitations and exclusions. For example, you may need to wait out a moratorium, survival or qualifying period.
Get the most from your insurance
Assistance services
If you're looking to get help with daily activities or support in difficult times, we're here for you.
Phone assistance
Call anytime for advice from a nurse on nutrition, vaccinations, the use of prescriptions drugs and other health matters.
Second medical opinion
Get a second opinion on a diagnosis from specialist physicians, who will review your medical record and history.
Autonomy assistance
Receive home care services to make day-to-day life easier for you and your caregivers in the event of a covered loss of independence (temporary or permanent).
Psychological assistance
In the event of a covered critical illness or loss of independence, talk to a psychological health specialist, in person or on the phone, for help in hard times.
Multi-coverage discount
Get a reduced premium when you buy 2 or more eligible insurance coverages at the same time for the same policy (critical illness, term life, permanent life, or personal health insurance).
Get a critical illness insurance quote for your business
Monday to Friday: 9 AM to 5 PM (Eastern Time)
1-866-838-7661 This link opens your phone app.
We can also call you when it’s convenient.
Explore our other business insurance options
Life insurance for business owners
Protect your business against the loss of a key person.
Group benefits
Support your employees’ physical and mental health with a group insurance plan that speaks to their needs.