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Recovering from an Illness

Illness or accidents happen every day and affect young and old. If you have been unable to work for sometime due to a criticall illness or an accident your financial situation may be difficult, specially if you are the breadwinner of the family.

Critical illnesses like cancer, stroke, organ failure, multiple sclerosis, Parkinson’s or other neurological diseases take a great physical and emotional toll on not only you, but also your family, friends and loved ones.

Not surprisingly, a host of emotions – fear, anxiety, sadness – may flood over you and potentially cloud or blur your logical thinking. Having loved ones in your corner to support you, attend appointments with you, ask questions and be your advocate is invaluable. Although it is difficult to imagine dealing with a critical illness, it is important to be thoughtful and prepared.

One major reason to consider preparing for a critical illness is your family’s medical history. Many of the critical illnesses that people have are hereditary and are passed on to subsequent generations.

Other important reasons include:
  • More than 1.6 million new cases of cancer are diagnosed each year
  • Advances in medical technology mean more people will survive these illnesses
  • 11.2 million Americans and Canadians were forced into poverty because of out-of-pocket medical expenses in 2015.

A critical illness diagnosis is an increasingly common occurrence, but if you’re raising kids, caring for parents, helping friends or trying to get healthy after a critical illness, the last thing you need is to worry about is your finances.

There are 2 ways to mitigate the impact on your finances by purchasing living benefits policies like:
  1. Critical illness insurance (provides a lump sum cash payment to you if you are diagnosed with a condition covered under the policy. Critical illness insurance policies allow you to use the money however you wish – and some allow you to enroll for coverage for your dependents, too.)
  2. Disability insurance (provides a monthly income if you’re unable to work due to a serious injury or illness)

Ensure that you contact one of our advisors to ask you some questions and determine what policy is best suited for your situation.

For more information about how to enter the next phase of your life and the financial steps you need to follow book a complimentary Financial Health Assessment.






"I always wanted to talk to someone who could help me get my financial goals in order. I know I needed to get to this part but had no clue how to or who to get? When I spoke to friends they were in the same position. Araceli was amazing no question was dumb or any thing I had did in the past could not be fixed.

I feel/know Araceli got my life in order and regained happiness to my out look on my future. Does that sound dramatic...YES... but it is true!

I now have correct insurance coverage, my budget is fair I am not in the poor house every pay week and I have a feeling of safety and freedom. I love seeing her and she keeps me in check. I will always have this lady in my back pocket she has become a friend."

Christine Macvicar (Single professional)Mississauga

I met Araceli Hernandez about 9 years ago. One of the best decisions I ever made was to meet with her about financial planning. She wasn't pushy and listened to my concerns. I appreciated her vast knowledge and expertise. Fast forward 9 years later and I'm in a very good financial situation because of Aracelli's advice. My son is also well on his way to saving for his future. I strongly believe that everyone should have a financial advisor but working with someone like Aracelli is key to making well-informed decisions.

Patrice Palmer (Single Professional) Burlington

“I’ve worked with Araceli and feel she is the best. She works hard, knows her stuff and has integrity. She works with your budget and presents you with options that work for your situation and lifestyle. ”

Dana Castro (owner of three crowns studio) Mississauga