— Canadian Cancer Society / Heart & Stroke Foundation, 2024
The inflection point is your decade.
Critical illness incidence rates per 1,000 insured lives. The curve bends hardest between 35–44 — exactly when mortgages close and RSUs vest.
Teal bars = the 35–44 inflection zone · Rates per 1,000 insured lives · Source: CLHIA 2024 Statistical Report
Your group plan covers the hospital.
Not the mortgage.
A line-by-line audit of what employer group coverage pays out versus what Shield delivers. Red means your group plan leaves the bill on your desk.
What does $250,000 actually buy you?
Drag the sliders to model your scenario. The numbers update in real time based on your salary and expected recovery timeline.
Less than two DoorDash orders a month.
At $89/month for a 30-year-old non-smoker, Shield costs less than what most senior devs spend on food delivery in a week.
Illustrative premium for a 30-year-old non-smoker in Ontario · Actual premiums vary by age, health history, and province · Not a binding quote
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