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Critical Illness Insurance 

We can help you prepare for the financial impact of a life-altering illness.

Who is this for?

Thanks to advancements in medicine, people today are often expected to survive a life-altering critical illness. But how would you and your family handle the financial impact of such an illness?

By incorporating critical illness insurance into your financial security plan, you may be able to maintain your family’s lifestyle while you recover from a covered condition, including life-threatening cancer, heart attack and stroke. Having a plan in place means that, if you’re faced with a severe illness, you can focus on your recovery.

How will this help me?

It’s simple: Critical illness insurance can provide you with a lump sum tax-free payment in the event that you develop a covered critical illness. This may be particularly important if you’re one of your household’s primary income earners and have dependents, such as children or elderly parents.

If you have critical illness insurance and become ill with a covered condition – and you meet the survival period requirement – you’ll receive a tax-free lump sum cash payment you can use however you want. Pay for in-home medical assistance, access private or out-of-country treatment, cover the cost of medications and medical devices, put money towards the mortgage or take time away with your family to recuperate – it’s up to you.

What else do I need to Know?

Protect your plans for retirement

Developing a critical illness could have a significant impact on your plans to retire by forcing you to take money out of your retirement savings to cover expenses. By providing you with some financial relief, critical illness insurance could help keep your retirement plans on track.

Money back if you don't make a claim

The return of premium option on critical illness insurance allows you to receive up to 100% of your premiums back if you never make a claim.

Understanding the risk

While the chance of developing a life-altering illness increases with age, it’s important to note that such an ailment can affect anyone. Consider that there are roughly 70,000 heart attacks and 50,000 strokes in Canada each year – that’s a heart attack every seven minutes and a stroke every 10 minutes.1

Medical and emotional support

While the chance of developing a life-altering illness increases with age, it’s important to note that such an ailment can affect anyone. Consider that there are roughly 70,000 heart attacks and 50,000 strokes in Canada each year – that’s a heart attack every seven minutes and a stroke every 10 minutes.1

  • Make Your Appointment Today

    Working with an advisor doesn’t have to be intimidating and shouldn’t be. We want to listen to your story and help you create your financial road map. We will keep you accountable and on track so that you can work because you want to, not because you have to.

    340 9th Ave N, Regina, Sk


  • Immediate Cash Needs
    Final expenses (to pay for funeral, taxes, etc. ($5,000-$20,000) Read more>>
    Mortgage (to pay off the outstanding balance) Read more>>
    Personal loans (to pay off loans, credit cards, etc.) Read more>>
    Emergency funds (3-6 months’ salary) Read more>>
    Children’s education fund ($10,000-$25,000 per year, per child) Read more>>
    Income Replacement
    Emergency funds (3-6 months’ salary) Read more>>
    For how many years? Read more>>
    Assets and Insurance
    Savings (savings and investment accounts, RRSPs, TFSAs, etc.) Read more>>
    Other assets (property, business, vehicles, etc.) Read more>>
    Existing life insurance (including group plans, individual policies) Read more>>
    Calculate Results
    Total Cash Needs

    ADD: Income Replacement Needs

    SUBTRACT: Assets and Insurance

    EQUALS: Surplus

  • Marketing Associate

    Working as veterinarian technologist for 10 years, made me realize that I take great pride in working in a team approach to help others. I’m a very organized person, with strong communication skills. I enjoy meeting people and making sure everyone feels welcome. Family is very important to me, so working at Zaba Financial Group is a great fit for myself and my family.

  • Financial Security Advisor, Vice President​

    I started my career as a financial advisor in 2012 at the age of 23. In January, 2014 I started a 3 year process working towards achieving my C.F.P. (Certified Financial Planner) designation.

    In my previous career I was a golf professional at local Regina clubs. My experience as a golf professional helped me realize my desire and determination to help others. I carry these values into my practice as a financial advisor.

    I also sit on the board of directors in the Regina Rotary Club, part of Rotary International. Our club standard is “Service above Self”. I take great pride in being a member of Rotary because it allows me the opportunity to get involved in the Regina community.

    The aspect that I enjoy most about being a financial advisor is that every client situation, and therefore plan, is unique. I have the pleasure of listening and understanding my clients’ goals and values and become a part of their financial success.

  • Financial Security Advisor, Vice President​ CHS

    I started my career as a Financial Security Advisor in 2007 at the age of 22. I currently hold a CHS designation (Certified Health Insurance Specialist) and I’m near completion of the CFP designation (Certified Financial Planner). I will continue to educate myself to better serve my current and future clients.

    I have the privilege of enjoying my life with my wife Christina and our two children Ashton and Brooklyn. I take pride in being able to participate as a coach for their respective soccer teams as I’m needed.

    I’m a board member of the South Saskatchewan Advocis chapter. Advocis is our national association for financial advisors in Canada. Through Advocis, I have the privilege of being the chair for the 65 Roses Golf Tournament benefiting the Cystic Fibrosis Foundation. Since golf is a passion of mine, I feel this is a natural fit for me to contribute to a great cause.

    What I enjoy most about being a Financial Security Advisor is helping to bring peace of mind to my clients and their families through risk management.

  • Brian Zaba: Certified Financial Planner, President​ ​B. Admin, CLU, CFP, CH.FC.

    I graduated from the University of Regina with a degree in Business Administration in December of 1986. Shortly after graduation I joined the financial industry in February, 1987. Since then I have obtained several designations including, Chartered Life Underwriter, Certified Financial Planner, and Chartered Financial Consultant.

    I am a member of Advocis, our national association for financial advisors in Canada. I have served in various roles in Advocis including President.

    On a personal note I am married to Donna Zaba. She is an oncologist nurse at the Allan Blair clinic. We have three sons Andrew, Mitchell, and Tyler. Tyler is married to Christina, and together they have a son and daughter Ashton and Brooklyn. As the boys were growing up I enjoyed coaching them in hockey, baseball, and soccer. In their teens our summers were spent touring the province to various golf tournaments. Golf has now become a staple in our family recreation.

    What I enjoy most about being a financial security advisor is helping my clients achieve their financial goals by effective wealth management.