Critical Illness Insurance
CancerGuard
Product description and features
CancerGuard is simplified issue insurance that eases the financial burden associated with the diagnosis of a life-threatening cancer. Clients may receive up to $150,000 following a diagnosis.
This product has three rate levels: Standard, Preferred and Preferred PLUS. The healthier your clients, the better their rate!
Base coverage: Cancer insurance
Three optional coverages to ensure your clients are well protected :
- Critical illness : stroke, coronary artery bypass surgery, heart attack, paralysis, coma, juvenile critical illnesses.
- Prevention : additional coverage for non-life-threatening cancers.
- Return of premiums : This option refunds all premiums paid upon death and up to 50% of all premiums paid on the client’s 75th birthday, minus any claim payments.
CancerGuard also provides a second medical opinion service through MediGuide, a global leader in the field!
Available in
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No medical exam, blood work or long questionnaires. The number of questions clients answer has a direct impact on their premium rate:
- Standard: two questions for up to $50,000 of coverage
- Preferred: two additional questions to up your coverage to $100,000
- Preferred PLUS: one additional question to reach $150,000 of coverage
- Benefit payable upon diagnosis, to be used as seen fit
- Eligibility from birth until age 65
- Guaranteed renewal until age 75
- There are three terms: 10-year term insurance, 20-year term insurance or until age 75
Cancer does not discriminate:
- Cancer can hit at any time
- Cancer can affect anyone: young, old, male, female, regardless of economic or health status
The gift of peace of mind:
Offer your clients a precious gift: protecting their children or grandchildren with CancerGuard.Three riders available:
- Accidental death, dismemberment or loss of use
- Accidental fracture
- Extended medical care further to an accident