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Critical Illness: Critical Illness policies typically cover upto 26 illnesses. If the insured is diagnosed with a critical illness a tax free lump sum is paid provided the insured survives a 30 day waiting period. Policies range from 10 years to life and can include return of premium.

Disability Insurance: Disability insurance offers a tax free monthly benefit if the insured is diagnosed with a disability most often after a 0, 30, 60 or 90 day waiting period. The benefit is most often payable to age 65 or when the insured is able to resume employment (whichever comes first).