WL/UL is a kind fo insurance to protect one's family from income losing if something happened to the insured(death).CI(Critical Illness) is a kind of insurance to protect the insured against income losing and debt during survival period. In Canada,resident are granted free healthcare if sent to hospital but you can not stay there too long.And in many cases,you have to wait for a long time.CI will pay you a lump sum money free of tax so that you can pay debt,mortgage and go abroad to get better and fast medical treatment.It is a living benefit.