Skip Ribbon Commands
Skip to main content
Individual Life Insurance

Critical Assist®​

Do you realize that prior to age 75, your risk of contracting a life-altering illness exceeds your risk of dying? Even so, contracting a life-altering illness is not something any of us like to think about. However, the reality is that it can happen to any one of us, and if it does, thanks to improvements in healthy living and medical science, there is a good chance you will recover and g​et on with your life.
According to the Canadian Cancer Society, approximately 45 per cent of Canadian women and 49 per cent of Canadian men will develop cancer during their lifetime, and an estimated 60 per cent of Canadians diagnosed with common cancer will survive at least five years. In addition, according to Health Canada and The Canadian Institute for Health Information, one in four Canadians will develop heart disease in their lifetime and approximately 89 percent of hospitalized heart attack patients survive.
Treating and coping with illness can often mean significant and unexpected costs. CUMIS Critical Assist® is designed to provide you with financial peace of mind so that you can focus on recovery and get started on rebuilding your lifestyle as soon as possible. It provides you with a lump sum cash benefit while you are living, if you happen to be diagnosed with one of the Covered Conditions or Early Assist Conditions defined in your contract.

What Would You Do if Your Child Were Diagnosed with a Critical Illness?

One of our biggest concerns as a parent is our child’s health and well-being. If your child were ever diagnosed with a serious illness, you’d want to be with them and do everything you could to comfort and care for them. Critical Assist® – Head Start from CUMIS Life helps provide financial peace of mind to parents of a child diagnosed with a Covered Condition, so they can focus on what matters most: being with their child and helping them get better while maintaining their family’s needs.

Facing the Financial Challenges of a Critical Illness

Is your family financially equipped for the potential cost of recovering from a critical illness? Consider the potential challenges of maintaining a lifestyle that you may no longer be able to afford:
  • Reduction or permanent loss of your income
  • Lost income of family members caring for you or your child
  • Private nursing and medical equipment
  • Insurance co-payments and deductibles
  • Convalescence or physiotherapy
  • Refitting your home and your car
  • Relocating to a more suitable locale or climate
  • Mortgage payments or a car loan
  • Childcare
  • Children's education
  • Retirement

Critical Illness Insurance may help by providing you with the financial support to:

  • Travel to get treatments that aren't available locally
  • Get treatments that aren't funded by your provincial health plan
  • Purchase alternative medicines and therapies

Available Plans​​

CUMIS offers four Critical Assist® plans to suit your needs: 10-Year Renewals to Age 75, 25 Year with 20-Year Renewals to Age 75, Level to Age 75, and Level 20-Pay with Coverage to Age 75.


Critical Assist®​

CUMIS Critical Assist® pays you a lump sum tax-free benefit if you are diagnosed with one of 25 full payout Covered Conditions, or one of 4 Early Assist partial payout conditions. This payment of $25,000 to $2,000,000 allows you to focus on what's important – your recovery and rebuilding your lifestyle. It gives you the freedom to seek the best medical care, pay outstanding debts, replace lost income or pay for caregivers or childcare – whatever you need.


Critical Assist® – Head Start​

With Critical Assist® – Head Start your child is covered for 32 full payout conditions (including 7 childhood-specific conditions), and 4 Early Assist partial payout conditions. Benefits can range from $25,000 to $250,000, you choose the amount.  Children are eligible for the plan at 30 days old until age 17 and the policy expires at the anniversary nearest age 75. So, not only are you covering them when they are young, but also providing protection for years to come. ​​


Other Features​

  • ​Premium Payback at Death
    If you pass away while the Critical Assist® policy is in force and no full payout claim has been paid, we will refund the premium payments you have made for this coverage to your beneficiary. This embedded feature is included with all CUMIS Critical Assist policies.

  • Conversion Privileges
    If you decide you would like longer term protection, we make it easy. Policyowners may convert a 10-year or 25-year term policy for Level to Age 75 or Level 20-Pay with Coverage to Age 75 without any additional underwriting requirements or proof of insurability.

  • Best Doctors® Program
    Critical Assist® includes access to the Best Doctors® program. Best Doctors is an innovative, world-leading service that provides rapid access to the best medical knowledge and peace of mind to thousands of people around the world faced with serious illness. It is important to us to ensure you get the right diagnosis and treatment from an expert in your condition.

  • Counselling Benefit
    Upon diagnosis of a Covered Condition, the Policyowner will receive access to up to 3 hours of over the phone counselling to be used by themselves or their family members.

Optional Riders and Other Benefits

You may customize your plan by adding the following optional riders and other benefits:​
  • Premium Payback at Expiry Rider
  • Premium Payback at Surrender Rider
  • Disability Premium Waiver Benefits
  • Automatic Waiver of Premium on Owner’s Death or Disability Benefit


Full Payout ​Covered Conditions

Coverage for the full payout conditions (except for Loss of Independent Existence2) begins on the policy date3 and ends at expiry (age 75). Once you’ve received payment for a full payout condition, your Critical Assist® coverage ends.

Aortic Surgery Loss of Independent Existence
Aplastic Anemia Loss of Limbs
Bacterial Meningitis Loss of Speech
Benign Brain Tumour Major Organ Failure on Waiting List
Blindness Major Organ Transplant
Cancer (Life-Threatening) Motor Neuron Disease
Coma Multiple Sclerosis
Coronary Artery Bypass Surgery Occupational HIV Infection
Deafness Paralysis
Dementia, including Alzheimer’s Disease      Parkinson’s Disease
Heart Attack Severe Burns
Heart Valve Replacement Stroke
Kidney Failure

Additional Childhood Covered Conditions

In addition to the 25 covered conditions, Critical Assist® - Head Start also provides coverage for the following 7 childhood conditions until age 18.5

Autism Muscular Dystrophy
Cerebral Palsy                        Rett Syndrome
Congenital Heart Disease Type 1 Diabetes Mellitus
Cystic Fibrosis

Early Assist Covered Conditions:

A partial benefit equal to 10% of the face amount, up to a maximum of $50,000, is payable if you are diagnosed with an Early Assist covered condition. The policy will continue to cover you after the partial payment is made. You are eligible for only one Early Assist payment. There is no reduction of the policy face amount if an Early Assist benefit is paid.
  • Coronary Angioplasty​
  • Non-Life-Threatening Cancers:
    • Ductal Carcinoma in Situ of the Breast (DCIS)
    • Stage T1a or T1b (Stage A) Prostate Cancer
    • Stage 1A Malignant Melanoma (melanoma less than or equal to 1.0 mm in thickness)

Contact Us

For more information on our products, or to obtain a quotation, contact CUMIS TeleLife:
Monday to Friday, 8 a.m. to 8 p.m. (Eastern Standard Time)