This special offer is available from April 1 to June 30 , 2018

Apply for up to $50,000 of Guaranteed Acceptance Critical Illness Insurance!
No medical questions or examination required‡

‡Limitations and exclusions apply. Please click here for details.

  • You're covered for 25 life-changing illnesses including cancer, heart attack, and stroke.
  • Tax-free lump-sum payment to spend any way you need.
  • Secure online application.
  • 60 day money back guarantee!
Apply Online Today

or contact your local SISIP Financial Advisor.



No medical questions, no examinations

Normally you will be required to supply medical information about yourself and your family as part of the application process. With this special offer, you immediately qualify for up to $50,000 in coverage, regardless of your medical history.



Tax-free, no strings attached

Critical illness insurance provides a tax-free, lump-sum payment to use any way you wish. Common uses include paying off debts, home adaptation, childcare, investment, vacation, supplementing your pension, or lifestyle changes.



Protection for the entire family

You and your spouse can apply for up to $50,000 in guaranteed acceptance coverage. You can also apply for up to $10,000 in coverage for your children. All your children are protected for one low premium rate.

"You need critical illness insurance not because you are going to die, but because you are going to survive."

- Marius Barnard, Cardiac surgeon and inventor of critical illness insurance



Nearly 1 in 2 Canadians will develop cancer within their lifetimes. (Source: Canadian Cancer Society)
About 1 in 12 Canadian adults live with diagnosed heart disease. (Source: Heart and Stroke Foundation)
What am I covered for?
Members and spouses are covered for 25 life-changing illnesses:
  • Aortic Surgery
  • Aplastic Anemia
  • Bacterial Meningitis
  • Benign Brain Tumour
  • Blindness
  • Cancer (Life-Threatening)
  • Coma
  • Coronary Artery Bypass Surgery
  • Deafness
  • Dementia, including Alzheimer's Disease
  • Heart Attack
  • Heart Valve Replacement or Repair
  • Kidney Failure
  • Loss of Independent Existence
  • Loss of Limbs
  • Loss of Speech
  • Major Organ Failure on Waiting List
  • Major Organ Transplant
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson’s Disease and Specified Atypical Parkinsonian Disorders
  • Severe Burns
  • Stroke

Click here to view full definitions of the 25 Covered Conditions

You can also apply for up to $10,000 in coverage for your dependent children. Dependent children will be protected for the same 25 illnesses as adults, plus the following 6 child-specific conditions:

  • Cerebral Palsy
  • Down’s Syndrome
  • Congenital Heart Disease
  • Muscular Dystrophy
  • Cystic Fibrosis
  • Type 1 Diabetes

Click here to see full definitions of these illnesses.

For more detailed information about this plan, visit sisipci.ca
Who can apply?
  • Members of the Canadian Armed Forces (serving and former) and their spouses. Applicants must be under the age of 70 and be a Canadian resident.
  • Providing they are also applying for coverage, either the member or their spouse can also apply for dependent children who are under age 21 (up to 24 if they are enrolled full-time at a post secondary school).
How much does it cost?
Member or Spouse Critical Illness Insurance
Monthly Premium* Rate per $25,000
Age as of July 1, 2018**MaleFemale
 Non-Smoker***SmokerNon-Smoker***Smoker
Under 25$3.60$4.30$3.05$3.60
25-29$3.90$5.00$3.80$4.70
30-34$4.50$6.45$5.15$6.60
35-39$5.45$8.80$6.80$9.20
40-44$8.00$14.25$9.90$14.35
45-49$12.25$23.15$14.10$21.70
50-54$19.55$37.05$19.85$31.90
55-59$33.05$60.20$28.95$48.10
60-64$56.30$94.75$43.80$73.05
65-69$89.80$147.50$66.65$109.85
70-74$151.05$237.30$94.65$158.95
75Coverage Terminates

** Premiums are calculated each year, based on your age at July 1 and will increase as you enter a new age band.

*** Non-smoker rates apply to individuals who, at the time of application, have not used any form of tobacco (except an average of one cigar a month), including nicotine products, electronic cigarettes, marijuana mixed with tobacco, hashish mixed with tobacco, smoking cessation products, betel nuts or leaves, supari, paan, gutka or shisha, within the last 12 months and who have provided satisfactory evidence of insurability. 

† For renewal only. Last age to apply is 69.

*Plus taxes where applicable. Rates are subject to annual review.

Dependent Children Critical Illness Insurance
Monthly Premium* for all Eligible Children
Benefit AmountMonthly Premium
$5,000$1.90
$10,000$3.80

*Plus taxes where applicable. Rates are subject to annual review.

Are there limitations and exclusions I should be aware of?

While this guaranteed acceptance offer is a good opportunity to purchase critical illness insurance without answering the health or lifestyle questions that are normally required, there are some important limitations and exclusions you should be aware of:

  • Your guaranteed acceptance coverage is subject to a Pre-Existing Condition Exclusion. In general terms, this means that no benefit will be paid during the first 24 months after you purchase this insurance for any medical condition which was present in the 24 months previous to your purchase. However if you apply and are accepted for medically underwritten critical illness insurance, the Pre-Existing Condition exclusion will be removed. This limitation is described on the guaranteed acceptance application. Please be sure to read it carefully before you submit your application.
  • The insured person must survive for 30 days (90 days for paralysis, loss of independent existence or bacterial meningitis, 180 days for multiple sclerosis or loss of speech) after first being diagnosed for a benefit payment to be made.
  • If the member or spouse is diagnosed with a benign brain tumour or cancer within the first 90 days of coverage, a benefit will not be payable and benign brain tumour or cancer will no longer be considered covered conditions.
  • Any covered condition or AdvanceCare Benefit condition diagnosed prior to the effective date of coverage will not be covered .
  • No benefit will be paid if the covered condition or AdvanceCare Benefit condition results from: attempted suicide, alcohol or drug abuse, self-inflicted injury, or participation in a criminal act.

The following exclusions also exist but do not apply if the activities are performed as a result of your service with the Canadian Armed Forces.

  • No benefit will be paid if the covered condition or AdvanceCare Benefit condition results from taking poison or inhaling gas, whether voluntarily or involuntarily.
  • No benefit will be paid if the covered condition or AdvanceCare Benefit condition results from flying as a student pilot or flying as a privately licensed pilot for less than 25 hours or more than 400 hours per year.
  • For paralysis, blindness, deafness, severe burns, stroke, coma, or loss of limbs no benefit will be paid if the condition is a result of participating in amateur or professional boxing, bungee jumping, B.A.S.E jumping, cliff diving, mountain climbing, motor vehicle racing or speed competition on land and/or water, parachuting or underwater activities, including scuba diving or snuba diving.