Sergio A. Paier | sergio.paier@gmii.ca
A critical illness diagnosis can devastate more than just your health—it can destroy your financial security and business operations overnight. When facing conditions like cancer, heart attack, or stroke, the last thing you should worry about is money. Coigne Capital’s comprehensive critical illness insurance solutions provide the financial protection you need to focus on what matters most: recovery and maintaining your quality of life.
Critical illness insurance provides a tax-free lump-sum payment when you’re diagnosed with a covered serious illness. Unlike health insurance that covers medical expenses, this coverage gives you financial flexibility to handle treatment costs, replace lost income, and maintain your lifestyle during recovery.
Individual critical illness insurance provides a lump-sum payment upon the diagnosis of a covered condition—such as cancer, heart attack, or stroke—allowing you to manage medical expenses, household bills, and other financial commitments. This critical safety net gives you the freedom to focus on recovery without the added stress of financial strain.
Critical illness insurance can be owned by your business, providing coverage for essential team members or stakeholders. If a covered critical illness occurs, the policy pays out a lump sum that can help maintain business operations, fund temporary leadership, or compensate the affected individual.
Tailored Individual Coverage
At Coigne Capital, we tailor each policy to align with your unique health and financial goals. We help you select coverage amounts, policy terms, and add-on benefits that suit your needs and lifestyle, ensuring you and your loved ones are protected from the unexpected.
One of the distinct advantages of a corporate-owned policy is the ability to split policy costs between the employer and the insured. After 15 years, your plan can include a return-of-premium feature—making it a cost-efficient tool for businesses seeking both protection and a potential long-term benefit.
Depending on the jurisdiction and policy structure, corporate-owned critical illness insurance premiums may offer tax benefits. In some instances, premiums might be treated as a business expense, and the resulting benefit could be structured to minimize tax exposure. Coigne Capital works alongside your tax and legal advisors to help you optimize these advantages while complying with applicable regulations.
For executives, professionals, and business owners, a serious health issue can disrupt both personal finances and corporate operations. Critical illness insurance offers peace of mind, protecting you from financial uncertainty and preserving the future of your business. It ensures continuity in leadership, shields you from unexpected medical costs, and safeguards the people who rely on you.
At Coigne Capital, our specialists design critical illness coverage that aligns with your unique vision and goals—whether you are an individual protecting your family’s stability or a corporate entity ensuring key stakeholders’ security. Knowing your health and finances are safeguarded, you can confidently navigate life’s challenges.
Book a consultation with a Critical Illness Insurance Specialist at Coigne Capital today. Discover how our customized solutions—from individual coverage to corporate-owned plans—can protect your well-being and your organization’s future. Let us help you build a resilient financial plan that supports your ambitions, no matter what tomorrow brings.
With deep expertise, extensive resources, and personalized service, Coigne Capital stands ready to help you navigate the complexities of critical illness insurance. Trust us to deliver superior financial outcomes and foster a secure, prosperous future for you, your team, and your loved ones.
Start your journey toward financial excellence and legacy building with Coigne Capital. Visit our website to schedule a consultation, subscribe to our newsletter for insights and updates, and follow us on social media for the latest financial news and tips. Together, let’s unlock your wealth’s potential and secure a prosperous future.
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