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Réseau FADOQ est le plus important regroupement de personnes de 50 ans et plus de la province et la référence en matière de qualité de vie des aînés québécois. En savoir plus

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It is the largest group of people aged 50 and over in the province and the benchmark for the quality of life of Quebec seniors. More info

To find out about products and offers in your area, please indicate your language and sector.

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre secteur.

To know the products and offers in your region, please indicate your sector.

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Désolé, aucune région n'a été trouvée pour le code postal demandé. Veuillez essayer avec un autre code postal ou faire le choix de votre région manuellement.|Sorry, no region was found for the requested postal code. Please try with a different postal code or choose your region manually.

Close X

Réseau FADOQ est le plus important regroupement de personnes de 50 ans et plus de la province et la référence en matière de qualité de vie des aînés québécois. En savoir plus

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre langue et votre secteur.

It is the largest group of people aged 50 and over in the province and the benchmark for the quality of life of Quebec seniors. More info

To find out about products and offers in your area, please indicate your language and sector.

Pour connaître les produits et les offres dans votre région, veuillez indiquer votre secteur.

To know the products and offers in your region, please indicate your sector.

Choisissez votre langue|Choose your language

Choisissez votre région|Choose your region

ou|or Trouver ma région par code postal|Find your region by postal code

Trouver ma région par code postal|Find your region by postal code

ou|or Choisissez votre région|Select your region in a list

Désolé, aucune région n'a été trouvée pour le code postal demandé. Veuillez essayer avec un autre code postal ou faire le choix de votre région manuellement.|Sorry, no region was found for the requested postal code. Please try with a different postal code or choose your region manually.

Did you know ?

5 critical illness insurance myths

So you don’t think you need critical illness insurance? In this blog, we dispel five popular myths in order to show that this product deserves to be part of a sound financial strategy.

1. It’s expensive

A critical illness insurance premium is calculated according to:

  • The insurance amount
  • Your age
  • Your sex
  • The term
  • The number of illnesses covered
  • Your lifestyle habits
  • Your medical history

There are ways to reduce your premium like:

  • Opting for term critical illness insurance
  • Reducing the insurance amount

If you think critical illness insurance is expensive, then compare it to the actual cost of illness, especially if you are unable to earn an income while recovering. Consider expenses like:

  • Travel
  • Home care
  • Home help (household chores)
  • Childcare

What if I am never diagnosed with a critical illness
At purchase, you can select an option that will reimburse the premiums if you never fall critically ill.

2. It won’t happen to me

When health goes, everything goes! Unfortunately, no one is immune to an accident or illness. Just check out the latest statistics on cancer and heart disease.

In fact, the best time to consider taking out critical illness insurance is when you are in peak physical condition.

Think of your peace of mind. The insurance amount paid out by a critical illness insurance policy is free to be used as you see fit. Remember, financial obligations don’t go away when you are sick.

3. I’m covered by the public health insurance plan

Do you think that your public health insurance plan reimburses all expenses for prescription drugs and treatments?

Think again. Public plans do not reimburse ALL healthcare expenses.

Thankfully, your insurance amount can be used to cover these expenses, which can be prohibitive.

4. I have enough savings

Why pilfer the savings that were meant for your retirement or other projects?

With critical illness insurance, you receive a tax-free lump sum.

Your savings will continue to grow as you recover.

5. I have group insurance

Even if you have group insurance, it doesn’t mean it includes comprehensive critical illness coverage.

In fact, group insurance plans tend to include a number of exclusions and limitations and may not reimburse the expenses you claim.

A perfect complement to group insurance, critical illness insurance covers prescription drugs, healthcare expenses as well as a number of illness-related expenses.

Planning for the unexpected

Don’t let a critical illness diagnosis ruin your financial security.

Meet with an advisor to discuss your needs and prepare a plan that will ensure your and your loved ones’ financial security in the event of illness.

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Note: This blog post is provided for information purposes only. It is not a substitute for professional legal, financial or fiscal advice. For advice specific to your personal situation, always speak with your advisor. SSQ, Life Insurance Company Inc. cannot be held responsible for any decision made as a result of reading this blog post.

Life, health and accident insurance, and investment and retirement products are offered by SSQ Insurance and are distributed by the financial security advisors of SSQ Financial Services Firm, a subsidiary of SSQ Insurance.

Source: SSQ Insurance