--- title: Layered coverage, a unique advantage description: With iA, you have access to Transition critical illness insurance, the most flexible coverage on the market, to support your clients throughout their lives. image: https://iaconnected.ia.ca/hubfs/Individuel/instant-iA/2025/OG_PROJ-19-6_Hero_INSTANT_IA_EN.jpg --- [![iA-EN](https://iaconnected.ia.ca/hubfs/iAAH/Common/Logos/iA-EN.svg "iA-EN")](https://iaconnected.ia.ca/) [FR](https://linstantia.ia.ca/des-protections-combinees-un-avantage-unique/tags/assurance) # iA CONNECTED Your ongoing source of information. ![Hero\_image\_seul\_Dskp](https://iaconnected.ia.ca/hubfs/Individuel/instant-iA/2025/Hero_image_seul_Dskp.jpg) ![Hero\_Instant\_iA\_Modifie\_dsktp](https://iaconnected.ia.ca/hubfs/Individuel/instant-iA/2025/Hero_Instant_iA_Modifie_dsktp.jpg) [Home](https://iaconnected.ia.ca/) ### Layered coverage, a unique advantage August 22, 2025 Share with your colleagues | [![iA Groupe financier - Facebook](https://iaconnected.ia.ca/hs-fs/hubfs/Logo-reseaux-sociaux/ico-fb.png?width=31&name=ico-fb.png)](https://www.facebook.com/sharer/sharer.php?u=https://iaconnected.ia.ca/layered-coverage-a-unique-advantage/tags/insurance) [![iA Groupe financier - Linkedin](https://iaconnected.ia.ca/hs-fs/hubfs/Logo-reseaux-sociaux/ico-in.png?width=39&name=ico-in.png)](https://www.linkedin.com/sharing/share-offsite/?url=https://iaconnected.ia.ca/layered-coverage-a-unique-advantage/tags/insurance) [mailto:?subject=[Shared%20article]%20Layered%20coverage,%20a%20unique%20advantage&body=I%20recommend%20that%20you%20read%20the%20article%20'Layered%20coverage,%20a%20unique%20advantage'%20on%20iA%20CONNECTED:%20https://iaconnected.ia.ca/layered-coverage-a-unique-advantage/tags/insurance](mailto:?subject=[Shared%20article]%20Layered%20coverage,%20a%20unique%20advantage&body=I%20recommend%20that%20you%20read%20the%20article%20'Layered%20coverage,%20a%20unique%20advantage'%20on%20iA%20CONNECTED:%20https://iaconnected.ia.ca/layered-coverage-a-unique-advantage/tags/insurance) Layered coverage, a unique advantage 2:40 With iA, you have access to Transition critical illness insurance, the most flexible coverage on the market, to support your clients throughout their lives. | A combination of coverages that adapts to individual needs Offer your clients the iA advantage by **combining** term coverage for four illnesses, ideal for the most active years of their lives, with permanent coverage for 25 illnesses to protect their financial security later in life. An exclusive advantage… at an affordable price! | | --- |   Go to your secure messaging  There you’ll find your list of sales opportunities for your clients aged 25 to 40 who do not have critical illness insurance with iA Financial Group. It includes: - Your non-rated clients who hold insurance products - Your clients who hold savings products - Three levels of combined coverage—Basic, Enhanced and Superior—as well as personalized premiums for each of your clients1 You list will be available in the next few days. Keep an eye on your secure messaging so you don’t miss anything and can take advantage of your sales opportunities! [![Log in](https://no-cache.hubspot.com/cta/default/4733265/8ea99801-bb3a-490f-af8e-3f67ede1e70f.png)](https://cta-redirect.hubspot.com/cta/redirect/4733265/8ea99801-bb3a-490f-af8e-3f67ede1e70f) Diagno$tic: Insight into the financial impact of a critical illness Your clients will be receiving an email about Diagno$tic, an online tool that provides insight into the financial impact of a critical illness and the issues surrounding a diagnosis, to help them have a better understanding of their critical illness insurance needs. The email will prompt them to contact you for more information. [![Discover Diagno$tic](https://no-cache.hubspot.com/cta/default/4733265/f31b4cdb-b62b-4b2c-b4cb-8d54499c2072.png)](https://cta-redirect.hubspot.com/cta/redirect/4733265/f31b4cdb-b62b-4b2c-b4cb-8d54499c2072) With critical illness insurance at iA, you also get: - An unparalleled underwriting experience with EVO - Medical Second Opinion from MediGuide, a global leader - An enhanced benefit rider to ensure your clients’ coverage evolves with their standard of living - The option to take advantage of a policy loan when the “Return of premiums at death” and “Flexible return of premiums” riders are added to the critical illness insurance policy It’s no coincidence that iA covers the largest number of Canadians with critical illness insurance!2   | Practical resources are available to help you better support your clients. Start exploring them today!   [![Open my toolbox](https://no-cache.hubspot.com/cta/default/4733265/74ced760-bdb6-4869-a4d2-95d59bab4ec8.png)](https://cta-redirect.hubspot.com/cta/redirect/4733265/74ced760-bdb6-4869-a4d2-95d59bab4ec8) | | --- |   1 Please note that the premiums shown in the sales opportunity lists are provided for information purposes only. They may be adjusted based on each client’s specific circumstances, including smoking status, health care status and age at the time of enrollment. The information provided in your lists is intended to support you in your role as an advisor. It is your responsibility to verify the needs of each of your clients. 2 LIMRA 2024   Topic : [Insurance](https://iaconnected.ia.ca/tag/insurance) Written by [iA](https://iaconnected.ia.ca/author/ia) [Previous](https://iaconnected.ia.ca/back-to-school-resp-contest-2500-to-be-won/tags/savings) [Next](https://iaconnected.ia.ca/life-insurance-claims-new-training-modules/tags/insurance) This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### Categories - [Assurance (1)](https://iaconnected.ia.ca/tag/assurance) - [Digital evolution (28)](https://iaconnected.ia.ca/tag/digital-evolution) - [Economic news (4)](https://iaconnected.ia.ca/tag/economic-news) - [Insurance (58)](https://iaconnected.ia.ca/tag/insurance) - [Miscellaneous (7)](https://iaconnected.ia.ca/tag/miscellaneous) - [Portfolio Managers (9)](https://iaconnected.ia.ca/tag/portfolio-managers) - [Savings (51)](https://iaconnected.ia.ca/tag/savings) ### Stay informed [![Your tools](https://iaconnected.ia.ca/hubfs/Covid_microsite/en/Button-tools-en.png "Your tools")](https://iaconnected.ia.ca/your-tools) [![Procedures and FAQ](https://iaconnected.ia.ca/hubfs/Covid_microsite/en/Button-PROCEDURES-en.png "Procedures and FAQ")](https://iaconnected.ia.ca/useful-links) ![La compil macro](https://iaconnected.ia.ca/hubfs/Individuel/instant-iA/2026/WGAM-1-7_Microsite_Playlist_Macro_PPT2_1920x1080_EN.jpg) ### The economic ideas driving the markets! 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