--- title: What is Critical Illness Insurance? description: A critical illness can happen to anyone at any time. View the infographic. image: https://blog.empirelife.ca/hubfs/CI%20Infographic/EN/Teaser-EN.png --- [![Empire Life logo](https://blog.empirelife.ca/hs-fs/hub/322854/file-368300927.jpg?width=189&name=file-368300927.jpg "Empire Life logo")](https://blog.fastandfull.ca) # INSURING WITH CARE™ BLOG [Français](https://blog.fastandfull.ca/fr) ## [What is Critical Illness Insurance?](https://blog.empirelife.ca/old/do-you-have-critical-illness-insurance) Posted by [Empire Life](https://blog.empirelife.ca/old/author/empire-life) May 12, 2017 9:36:26 AM A critical illness can happen to anyone at any time. Worrying about your finances is the last thing you need, should the unexpected happen. To help, we have created an infographic that will help you get familiar with Critical Illness Insurance. Who is it for? How does it work? How much can it cost? Take a look at the infographic below to find out and [connect with an advisor](https://www.empirelife.ca/find-an-advisor/?utm_source=ELBlog_EN&utm_medium=Blog&utm_campaign=CI_Infographic&utm_content=FAA) today! ![Do you know someone who has suffered a critical illness?](https://blog.empirelife.ca/hs-fs/hubfs/CI%20Infographic/CI%20Infographic_1.png?width=668&name=CI%20Infographic_1.png "Do you know someone who has suffered a critical illness?")![Unfortunately, many of us do. How prepared are you? While the risk of suffering from a critical illness can be high, thanks to today’s medical advancements, your chances of surviving are better than ever. However, the long road to recovery can be costly. Many unexpected costs, such as travel expenses or home modification, may not be covered by your provincial or private health plan.](https://blog.empirelife.ca/hs-fs/hubfs/CI%20Infographic/CI%20Infographic_2.png?width=668&name=CI%20Infographic_2.png "Unfortunately, many of us do. How prepared are you? While the risk of suffering from a critical illness can be high, thanks to today’s medical advancements, your chances of surviving are better than ever. However, the long road to recovery can be costly. Many unexpected costs, such as travel expenses or home modification, may not be covered by your provincial or private health plan.")![Critical Illness (CI) Insurance Solutions CI insurance pays a lump sum benefit if you are diagnosed with a covered critical illness. Empire Life offers two great CI insurance solutions -- both available through our online and paper application processes -- that can help meet different needs: Empire Life CI Protect – a simple & affordable option that covers the four most common critical illness conditions3. Empire Life CI Protect Plus – a comprehensive solution that covers 25 critical illness conditions and offers additional built-in benefits.](https://blog.empirelife.ca/hs-fs/hubfs/CI%20Infographic/CI%20Infographic_3.png?width=668&name=CI%20Infographic_3.png "Critical Illness (CI) Insurance Solutions CI insurance pays a lump sum benefit if you are diagnosed with a covered critical illness. Empire Life offers two great CI insurance solutions -- both available through our online and paper application processes -- that can help meet different needs: Empire Life CI Protect – a simple & affordable option that covers the four most common critical illness conditions3. Empire Life CI Protect Plus – a comprehensive solution that covers 25 critical illness conditions and offers additional built-in benefits.")![Did you know… Empire Life CI Protect offers highly competitive premium rates](https://blog.empirelife.ca/hs-fs/hubfs/CI%20Infographic/CI%20Infographic_4.png?width=668&name=CI%20Infographic_4.png "Did you know… Empire Life CI Protect offers highly competitive premium rates")![To learn more Download our brochures or talk to your advisor about Empire Life CI insurance solution.](https://blog.empirelife.ca/hs-fs/hubfs/CI%20Infographic/CI%20Infographic_5-1.png?width=668&name=CI%20Infographic_5-1.png "To learn more Download our brochures or talk to your advisor about Empire Life CI insurance solution.")[![Empire Life CI Protect Consumer Brochure](https://blog.empirelife.ca/hs-fs/hubfs/CI%20Infographic/CI%20Infographic_6-1.png?width=274&name=CI%20Infographic_6-1.png "Empire Life CI Protect Consumer Brochure")](https://www.empire.ca/sites/default/files/documents/INS-1295-CIProtect-ClientBrochure-EN-web.pdf?utm_source=ELBlog_EN&utm_medium=Blog&utm_campaign=CI_Infographic&utm_content=CI%20Client%20Guide)[![Empire Life CI Protect Plus Consumer Brochure](https://blog.empirelife.ca/hs-fs/hubfs/CI%20Infographic/CI%20Infographic_6B.png?width=389&name=CI%20Infographic_6B.png "Empire Life CI Protect Plus Consumer Brochure")](https://www.empire.ca/sites/default/files/2017-05/INS-1447-CIProtectPlus-ClientBrochure-EN-web.pdf?utm_source=ELBlog_EN&utm_medium=Blog&utm_campaign=CI_Infographic&utm_content=CI%20Plus%20Client%20Guide)[![Don’t have an advisor, no problem, we can connect you with one. Connect with an Advisor.](https://blog.empirelife.ca/hs-fs/hubfs/CI%20Infographic/CI%20Infographics_7.png?width=669&name=CI%20Infographics_7.png "Don’t have an advisor, no problem, we can connect you with one. Connect with an Advisor.")](https://www.empirelife.ca/find-an-advisor/?utm_source=ELBlog_EN&utm_medium=Blog&utm_campaign=CI_Infographic&utm_content=FAA) [1](http://publications.gc.ca/site/archivee-archived.html?url=http://publications.gc.ca/collections/collection_2016/statcan/CS2-37-2015-fra.pdf) Canadian Cancer Statistics 2015, Canadian Cancer Society [2](http://www.cancer.ca/en/cancer-information/cancer-101/cancer-statistics-at-a-glance/?region=on) 2016 Estimation, Canadian Cancer Society 3 Munich Re 2016 Individual Insurance Survey 4 Monthly premium amount for CI Protect for coverage amount indicated, as a stand-alone plan as of April 24, 2017, is $16.38 for male (age 35 non-smoker) and $18.90 for a female (age 35, non-smoker) for the first 10 years.   [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fblog.empirelife.ca%2Fold%2Fdo-you-have-critical-illness-insurance%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblog.empirelife.ca%2Fold%2Fdo-you-have-critical-illness-insurance%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fblog.empirelife.ca%2Fold%2Fdo-you-have-critical-illness-insurance%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fblog.empirelife.ca%2Fold%2Fdo-you-have-critical-illness-insurance%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=What%20is%20Critical%20Illness%20Insurance%3F) [![Share on Email](https://static.hubspot.com/final/img/common/icons/social/email-24x24.png)](mailto:?subject=Check%20out%20https%3A%2F%2Fblog.empirelife.ca%2Fold%2Fdo-you-have-critical-illness-insurance%3Futm_medium%3Dsocial%26utm_source%3Demail%20&body=Check%20out%20https%3A%2F%2Fblog.empirelife.ca%2Fold%2Fdo-you-have-critical-illness-insurance%3Futm_medium%3Dsocial%26utm_source%3Demail) [![Get a quote and apply for life insurance - Buy Now](https://no-cache.hubspot.com/cta/default/322854/08a3be98-3ef1-4780-a8a3-ce8a1993cecd.png)](https://cta-redirect.hubspot.com/cta/redirect/322854/08a3be98-3ef1-4780-a8a3-ce8a1993cecd) ### Subscribe to Email Updates ### Most Popular Blog Posts ### Blog Categories - [Helpful Tips (41)](https://blog.empirelife.ca/old/topic/helpful-tips) - [Customer Service (9)](https://blog.empirelife.ca/old/topic/customer-service) ### Archives - [June 2017 (1)](https://blog.empirelife.ca/old/archive/2017/06) - [May 2017 (1)](https://blog.empirelife.ca/old/archive/2017/05) - [March 2017 (2)](https://blog.empirelife.ca/old/archive/2017/03) - [February 2017 (1)](https://blog.empirelife.ca/old/archive/2017/02) - [April 2016 (1)](https://blog.empirelife.ca/old/archive/2016/04) - [February 2016 (1)](https://blog.empirelife.ca/old/archive/2016/02) - [December 2015 (1)](https://blog.empirelife.ca/old/archive/2015/12) - [October 2015 (2)](https://blog.empirelife.ca/old/archive/2015/10) - [September 2015 (1)](https://blog.empirelife.ca/old/archive/2015/09) - [August 2015 (1)](https://blog.empirelife.ca/old/archive/2015/08) - [July 2015 (1)](https://blog.empirelife.ca/old/archive/2015/07) - [June 2015 (2)](https://blog.empirelife.ca/old/archive/2015/06) - [May 2015 (1)](https://blog.empirelife.ca/old/archive/2015/05) - [April 2015 (1)](https://blog.empirelife.ca/old/archive/2015/04) - [March 2015 (2)](https://blog.empirelife.ca/old/archive/2015/03) - [February 2015 (1)](https://blog.empirelife.ca/old/archive/2015/02) - [December 2014 (2)](https://blog.empirelife.ca/old/archive/2014/12) - [November 2014 (1)](https://blog.empirelife.ca/old/archive/2014/11) - [October 2014 (1)](https://blog.empirelife.ca/old/archive/2014/10) - [September 2014 (3)](https://blog.empirelife.ca/old/archive/2014/09) - [August 2014 (3)](https://blog.empirelife.ca/old/archive/2014/08) - [July 2014 (2)](https://blog.empirelife.ca/old/archive/2014/07) - [June 2014 (2)](https://blog.empirelife.ca/old/archive/2014/06) - [May 2014 (3)](https://blog.empirelife.ca/old/archive/2014/05) - [April 2014 (4)](https://blog.empirelife.ca/old/archive/2014/04) - [March 2014 (3)](https://blog.empirelife.ca/old/archive/2014/03) - [February 2014 (6)](https://blog.empirelife.ca/old/archive/2014/02) - [January 2014 (6)](https://blog.empirelife.ca/old/archive/2014/01) See all ### Get In Touch ## Contact Us **The Empire Life Insurance Company** 259 King St. E., Kingston, Ontario, K7L 3A8 Monday to Friday 9:00 a.m. to 5:00 p.m. EST **Email:** [insuringwithcare@empire.ca](mailto:insuringwithcare@empire.ca) **Telephone:** 1 866 894-6182 [www.empire.ca](http://www.empire.ca) [Blog Disclaimer](https://info.fastandfull.ca/fast-and-full-blog-disclaimer)