Critical Illness Insurance

A critical illness can strike anyone at any time, and the odds of surviving are better than ever with today’s medical breakthroughs. Worrying about being a financial burden on their family or business is the last thing your clients want, should the unexpected happen.

Vital Link critical illness insurance is designed to assist with the costs of recovering from a critical illness. Financial protection from costly treatment, medicine or care can give your clients peace of mind.

Plan Highlights

  • 23 covered illnesses or medical conditions, including loss of independence
  • Two types of return of premium options that allow clients full recovery of eligible costs after either 15 years or by age 75 with values starting as early as 10 years after issue
  • Our covered condition definitions are aligned with market, except for Parkinson’s disease as our definition is currently more favourable
  • Children’s critical illness rider specifically designed to cover 15 child related conditions
  • Clients can add any term or whole life Solution plan as a rider and save fees
  • Preferred Annuity Guarantee – Empire Life offers a exclusive new benefit that guarantees your clients the ability to convert all or part of their critical illness benefit into a life annuity with a 5% income bonus – no questions or hassles


TermsPosted RatesOur Rates
1 Year*3.7%2.69%
2 Years*3.55%2.59%
3 Years*4.64%2.49%
4 Years*4.64%2.69%
5 Years*4.24%2.59%

* Rates as of Jan 6, 2022  subject to change.  Rates are based on High Ratio mortgages.

Prime Rate: 2.45%

Benchmark Qualifying rate: 5.25

Unbeatable Mortgages Rate Table

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