Jean-Pierre is divorced and has been retired for two years. He receives an annual retirement income of approximately $36,000 from public plans, as well as amounts paid out by his RRIF. Jean-Pierre owns a home that is fully paid for, and he would like to leave it to his children. He also has non-registered investments in the amount of $45,000. In the event of illness or medical necessity, what type of protection does Jean-Pierre primarily need?