Critical Illness


Protecting you financially so you can

focus on what’s important.


Sterling benefits


What Would Happen if You Were Diagnosed With a Critical Illness?

If you or a loved one were diagnosed with a life threatening illness, how would you manage your mortgage/rent payment, groceries, and other day to day expenses? Could you pay your bills? Critical Illness Protector provides a cash benefit that is paid to you directly to use as you see fit, helping to cover your expenses in the event you are diagnosed with a range of critical illnesses.

It’s your money to use as you see fit. 

  • Rent/Mortgage payments and other bills
  • Treatments outside Canada if you choose
  • A vacation while recovering

The cash is yours, you can determine how to use it.





Check the facts:



  • 51% of Canadian Men develop Cancer
  • 49% of Canadian Women develop Cancer

heart attack

  • There are approx. 70,000 heart attacks/ year, 1 every 7 minutes
  • There are approx. 40,000 cardiac arrests/ year, 1 every 12 minutes


  • Approx. 50,000 new strokes are reported annually in Canada

RETURn of premium

Return of premium in the event of death other than for covered loss.


choose your benefit

You decide what benefit you want to receive to ensure you’re coverage is customized to your needs.


choose your coverage

Protect yourself against several, or all, of the covered conditions.

About Us

As licensed insurance advisors, we know the value of good advice.

We are a local full-service advisory firm for Life Insurance, Disability, Critical Illness, Health Spending Accounts, and we specialize in Group Benefits.

“The team at Sterling helped me protect myself and my family should I receive a critical illness diagnosis. It’s hard to think of preparing for something like that but I feel better knowing myself and my family are protected for whatever comes our way.”

Jerry C.


Happy Clients

Bringing security and peace of mind is our goal.

“I never considered that WCB didn’t cover me for accidents outside of work. Now I can enjoy the activities I love with peace of mind.”

Dylan R.


“Ralph at Sterling Benefits was able to put together a package that protected me and my family from unexpected costs should one of us have an accident. I can’t thank him enough for making sense of all my options and providing great advice.”

Hailey M.


Head Office

110 – 565 Bernard Ave
Kelowna, BC
V1Y 8R4

Call Us

(250) 300-3541


5/5 (1 Review)