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Insurance needs are evolving…. |
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Life insurance: |
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Income replacement |
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Tax planning |
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Wealth transfer |
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Disability Insurance: |
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Maintain income |
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Critical Illness protection, a compliment to Life
and Disability |
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Provides supplement cash for living expenses |
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Emergency fund |
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A Critical illness can cause untold financial strain and emotional
stress |
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The effects of a Critical Illness |
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- Ablity to work
- Lifestyle
- Hobbies and recreational pursuits
- Relationships
- family and friends
- business: partners, shareholders
- creditors
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Additional costs associates with a Critical illness
(in addition to a loss of income) |
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Medication |
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Treatment(s) |
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Transportation |
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House renovation |
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Private nurse |
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| It covers
the following 23 illnesses or medical conditions: |
Cancer |
Stroke |
Heart
Attack |
Coronary
Artery Bypass Surgery |
Kidney
Failure |
Major
Organ Transplant |
Multiple
Sclerosis |
Coma |
Paralysis |
Disememberment |
Loss
of Independent Existence |
Aortic
surgery |
Blindness |
Deafness |
Muteness
(loss of speech) |
Major
Burns |
Benign
Brain Tumour |
Occupational
injury – HIV |
Motor
Neuron Disease |
Alzheimer’s
Disease |
Parkinson’s
Disease |
Cystic
Fibrosis |
Heart
Valve Replacement |
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Prevention + Benefit |
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Some illnesses and conditions which, even though, very serious,
are not eligible for critical illness coverage, since they do not
place the patient’s life in danger when detected at an early stage). |
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However, the Prevention + benefit provides you with a compensation
benefit when one of the following conditions is diagnosed: |
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- Malignant melanoma (Skin cancer detected at an early stage)
- Prostate cancer (Stage A)
- Ductal carcinoma in situ of the breast (Breast cancer detected
at an early stage)
- Coronary angioplasty (interventional procedure that unblocks
a vessel to the heart)
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Benefit equal to 0 % of your insurance protection (maximum $50,000
per benefit) |
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Your insurance protection continues with no restriction |
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The insurance protection is reduced by the amount corresponding
to the benefit paid |
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The prevention + benefit is available once for each of the above-mentioned
illness and medical conditions. |
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A tax free benefit for YOU |
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You pay no taxes on the benefit you are paid in the event of a critical
illness. |
| To know more about the program give us
a call at 416-283-8899 and one of our friendly customer
service representatives will put you in contact with a authorized
representative. |
