Covered Illnesses
Empire’s critical illness portfolio gives you a number of coverage options. Our critical illness coverage provides a lump-sum payment if you are diagnosed with one of the covered critical illnesses or conditions.

Please talk to your advisor for more information about the benefits, eligibility, and payment conditions for the covered illnesses or conditions.


Empire's VITAL LINK offers two plan types:
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for service call 905-509-4678 in Canada Only or 800-583-3381
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VITAL LINK Basic—covers the most common critical illnesses affecting Canadians today
 

Heart attack
Life–threatening cancer
Stroke (or CVA)
VITAL LINK Plus—covers a total of 21 critical illnesses and life-altering conditions
 

Alzheimer Disease
Benign brain tumour
Blindness
Coma
Coronary Artery Disease Surgery
Deafness
Heart attack
Life-threatening cancer
Loss of independence
Loss of limbs
Loss of speech
Motor Neuron Disease (including ALS)
Multiple Sclerosis
Occupational HIV infection
Paralysis
Parkinson’s Disease
Renal (kidney) failure
Severe burns
Stroke (or CVA)
Vital organ failure
Vital organ transplant

Empire's TRILOGY
Same coverage as VITAL LINK Plus (see above)
Also includes life insurance and an investment component

Empire's DUALGUARD
Combines life insurance with coverage for 18 critical illnesses
 

Alzheimer Disease
Blindness
Coma
Coronary Artery Disease Surgery
Deafness
Heart attack
Life-threatening cancer
Loss of limbs
Loss of speech
Multiple Sclerosis
Occupational HIV infection
Paralysis
Parkinson’s Disease
Renal (kidney) failure
Severe burns
Stroke (or CVA)
Vital organ failure
Vital organ transplant
 

NOTE COVERAGES AND RATES ARE SUBJECT TO CHANGE AT ANYTIME.

sample rates click here