A FORUM on ONTARIO MEDICINE: business and professional Information from various contributors edited by Dr.Alex Franklin MBBS(Lond.)Dip.Phys.Med(UK) DPH & DIH(Tor.)LMC(C)FLex(USA).Fellow Med.Soc.London, Liveryman of London Society of Apothecaries. Freeman of City of London. Member Toronto Faculty club & Toronto Medico-Legal society.
30 Sept 2013
CATASTROPHIC INSURANCE TO 75
http://illnessprotection.com/critical-illness-insurance.php
$75,000 of Critical Illness Insurance
Guaranteed Issue - No Medical Required -
Most people buy life insurance to protect their family but never consider the possibility of what happens if you get sick. There is a five times greater likelihood of getting sick before age 65 versus dying. 1 out of every 3 Canadians will suffer from a critical illness which means that if you have life insurance and no critical illness coverage, you are not really protected
During your recovery you may also have to pay for healthcare services, special drugs, supplements and homecare expenses not covered by your government health insurance plan or your group plan. You might have to travel to get the medical attention you need.
The financial consequences of surviving a serious illness add up very quickly and without critical illness insurance protection you may never recover financially.
With Lifecheque® Basic critical illness insurance, you will have the security of knowing that 30 days following a diagnosis of cancer, heart attack, stroke, coronary bypass, or aortic surgery, you will receive a one-time, lump sum benefit – paid directly to you. With critical illness insurance in place you will have fewer financial worries.
Choose Your Coverage Level
Recognizing everyone’s insurance needs are different, the Lifecheque® Basic critical illness plan offers three different benefit amounts – $25,000, $50,000 and $75,000 – so you choose the level of coverage that suits your needs and your budget.
Have You Been Declined or Rated in the Past?
This product is perfect for you because there is no medical required.
With the Lifecheque® Basic critical illness plan, you don’t have to complete a medical examination; all that’s needed is a declaration of your good health. Once covered, you can keep Lifecheque® Basic up to age 75, regardless of any changes in your health or occupation. Even if your health declines, your coverage cannot be cancelled as long as you pay your premiums. Of course, you can choose to cancel this protection at any time.
Get Back All Your Premiums Just For Staying Healthy
It is comforting to know that when you reach your 75th birthday and you have not made a claim, Manulife Financial will reimburse ALL the premia you paid. Please note that this option is only available at the time of initial application.
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