What would you say if I can offer you free critical illness insurance???
Too good to be true??? Not really.
Most insurance companies offer a Refund of premium on Critical Illness insurance that you can get back after 15 years if you are claim free...alot of the companies will offer reduced refunds prior to 15 yrs.
It's the 0 % GIC program.... Ask me how it works.... I will be happy to explain the details
Disability insurance has a similar plan... this is protection that we can all afford.