Critical Illness Insurance

No more worries during your recovery!

Strong coverage to take care of you unconditionally

No one is immune to serious illnesses, and as a professional you know this better than anyone. But did you know that special coverage exists to prepare you for this? Our critical illness insurance provides for the payment of a lump sum benefit which, in the event of a serious medical setback, will enable you to meet your needs and those of your loved ones, including all the financial needs related to your recovery. Live worry-free during your recovery!

The best part? By including a premium refund clause, this coverage becomes a financial asset.

You wish to find out more? Ask us for advice.

Speak with an advisor

Do you want to be fully protected? Here are the options available to you:

Basic coverage

A lump sum is paid after a diagnosis of one of the illnesses covered by the insurance plan. The insured must survive a certain number of days according to the diagnosis to be eligible.

Illnesses covered

The illnesses provided for in the insurance contracts can vary between 3 and 30 illnesses, depending on the insurer. That said, three of them — strokes, heart attacks and cancer — account for more than 80% of claims.

Premium refund

Several options are available in the insurance contracts we offer. These can be a refund in the event of death or contract cancellation. Please note that a refund of premium is generally possible if the policyholder has not made any claims.

Q&A: How this coverage works

How to determine the amount of coverage

Recommended coverage will need to be assessed based on your circumstances, with annual salary generally serving as the unit of measure. Sometimes the insured will choose coverage according to the amount of premium they wish to pay.

Application process

Be aware that this coverage is granted after completion of a comprehensive medical questionnaire where family history has a significant impact on the financial parameters and contract exclusions.

Shared premium for serious illnesses

If you are incorporated, your company can subscribe to a critical illness insurance policy for you. You then become the owner, payer and beneficiary in the event of critical illness benefit payments. It is an attractive tool to diversify your fixed income.

Did you know that...

Illnesses included in insurance contracts can vary between 3 and 30 illnesses depending on the insurer.

However, three of them account for more than 80% of claims, i.e. stroke, heart attack and cancer.

Calculate your needs

Use our handy tool to calculate the amount of critical illness insurance you need.

SOGEMEC Calculator


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Did you know that your Service Corporation is a shareholder of Sogemec Assurances?

"Dear colleagues, our alliance with Sogemec ensures that you have access to an honest, reliable and committed team that will offer you the right insurance solutions for the right reasons."

— Michel Gaudreau, notary
President — Corporation de service des notaires du Québec