STANDARD BENEFITS

Coverage
Coverage amounts can range from $25,000 to $2,000,000. 

Best Doctors
If you are diagnosed with a serious medical condition, Best Doctors provides a free list of the best medical specialists in your area, country, or throughout the world. These medical specialists work with local medical staff to better diagnose and treat your medical condition. The services of the Best Doctors professionals are not necessarily free, depending upon provincial and national health insurance plans. But adequate critical illness and life insurance plans will provide much needed cash to pay for the best treatment that money can buy. Best Doctors has a worldwide database of over 50,000 doctors recognized by their peers as the top specialists in their fields of expertise. This benefit is included at no extra cost.  

Return of Premiums on Death
Regardless of your cause of death, if you do not qualify for a claim on your policy, your beneficiary receives a refund of all paid premiums (without interest). This benefit is included at no extra cost.

OPTIONAL FEATURES  

Disability Waiver
With this benefit, if you become completely and continuously disabled for more than 6 months, your premiums will be paid until you are no longer completely disabled. This benefit ends when you turn 65. This option is available for those 18 to 60.  

Return Of Premiums at Age 75
Once you turn 75, if your premiums are up-to-date and you have not made a claim on your policy, all of your base premium payments will be returned to you (without interest).   

REQUIREMENTS

Medical Requirements
You only need to answer 4 medical questions when you apply for this plan. You may still qualify for coverage even if you answer "yes" to a medical question. The insurance company will review your application, so we suggest that you still submit your application even if you answer "yes" to a medical question.  

Juvenile LifeCare Rider
With this rider, all of your eligible children are covered. If one of your children has a critical illness claim, your remaining children are still covered under the Juvenile LifeCare rider. This option can be purchased for your children 0 to 17 years old. You can purchase up to $50,000 or 50% of your adult LifeCare coverage amount, whichever is less. You can only purchase this benefit if you, as the parent, are between 18 and 55.

Benefits are payable to you as a one-time, lump sum payment if one of your children is diagnosed with one of the covered critical illnesses or have undergone a covered procedure. Covered critical illnesses are:

Cancer (Life-Threatening) Kidney Failure (End Stage Renal Disease) Major Organ Transplant Blindness Deafness Paralysis Autism

Congenital Heart Disease Cerebral Palsey Down's Syndrome Cystic Fibrosis Muscular Dystrophy Type 1 Diabetes Mellitus (as specified in the policy)

REQUIREMENTS  

Medical Requirements
You will need to provide some medical information when you apply for this plan. Additional medical information may be needed before your application is approved.  

Claim Requirements
To receive your critical illness benefit, you must survive at least 30 days after you have been diagnosed with a critical illness. If you do not survive the minimum 30-day period, your beneficiary will receive a refund of all base premiums paid (without interest).   

PAYMENTS

Premium payments may be made annually, semi-annually, or monthly through automatic banking. Premium rates will only increase once every 10 years. There is an annual policy fee of $75 and additional policies have an annual fee of $50.