Critical Illness
Next Steps Planning Inc. is dedicated to helping you navigate the complexities of Critical Illness Insurance, an essential aspect of comprehensive health planning. This type of insurance covers a range of serious medical conditions, offering you financial support at a critical time. With us, you’re not just securing a policy; you're investing in peace of mind for you and your family.
Do you have enough life, disability and illness insurance? Find out before you need it
Most young people engage with insurance only when legally required—auto, tenant or home insurance.
Typical advice for saving on these types includes shopping around, bundling with other kinds of insurance, and raising your deductible to lower premium payments.
You can also ask for discounts, according to the Insurance Bureau of Canada: if you are mortgage-free, claims-free, or have upgraded your home against fire and flooding, you can likely get a better deal on your home insurance.
For drivers, installing a theft deterrent or a usage-based insurance app which tracks your driving habits can reduce your auto premiums. Keeping a clean driving record is also key, the bureau advises. Your broker or insurer can help find savings within your policy.
Non-mandatory insurance is a lesser-known game, however.
8 critical illness insurance myths
Critical illness insurance is hugely misunderstood. And if you’re not reading the fine print on your policy, you could be relying on inaccurate myths when deciding how much you’ll need. InsurEye, a Canadian insurance education site, has compiled a list of several critical insurance myths. We’ve picked eight that we think need busting.
Other Insurance Services
Life Insurance
Life insurance provides financial protection for those you care about most. It helps replace income, cover debts, and support long‑term goals in the event of death, offering peace of mind during life’s uncertainties. With thoughtful life insurance planning, individuals can help ensure their family’s financial security and leave a meaningful legacy
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Estate Planning
Ask for your Will Companion. The Will Companion serves as a one-stop place to keep essential information for ongoing reference, as well as emergenices, providing an immediate and lasting benefit - a sense of control over your financial and personal affairs.
Investment Planning
Investment planning is essential for building long-term financial security. It helps individuals identify financial goals, manage risk effectively, and allocate resources wisely to grow wealth over time. With a structured investment plan, people can make informed decisions, stay disciplined during market changes, and improve their chances of achieving milestones such as retirement, education funding, or financial independence.
Philanthropic Planning
Philanthropic planning helps individuals give with purpose and impact. It aligns charitable goals with personal values and financial capacity, ensuring that giving is intentional, tax‑efficient, and sustainable over time. With a thoughtful philanthropic plan, donors can support the causes they care about most while creating a meaningful and lasting legacy.
Risk Management
Risk management is essential for protecting financial stability and long‑term goals. It involves identifying potential risks, evaluating their impact, and putting strategies in place—such as insurance, diversification, and contingency planning—to reduce uncertainty. A strong risk management plan helps individuals safeguard their wealth, income, and lifestyle against unexpected events.