Is disabilities and/or critical illness insurance worth it? Who would you recommend?
I'm a sole proprietor and have personal health insurance through Manulife. I'm considering getting disabilities and/or critical illness insurance.
I'm 30F with no major medical history other than anxiety and depression. I'm fairly healthy but within the last few years have fallen into a small percentage of people with complications from surgeries or procedures and this has made me more health anxious.
I have no dependents, not yet common law with my partner so unable to go on their insurance, and also make the highest income in our household.
I'm leaning towards getting it but would like to know which company is recommended and which type of plan. I don't want to be swindled in a phone call with an advisor and would like to go in well-informed.
