Critical Illness

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

• Cancer (Life-Threatening)
• Heart Attack (Myocardial Infarction)
• Stroke (Cerebrovascular Accident)
• Coronary Artery Bypass Surgery
• Kidney Failure (End Stage Renal Disease)
• Major Organ Transplant
• Aortic Surgery
• Heart Valve Replacement
• Blindness
• Deafness
• Paralysis
• Multiple Sclerosis
• Burns
• Coma
• Loss of Speech
• Loss of Limbs
• Motor Neuron Disease
• Alzheimer's Disease
• Parkinson's Disease
• Occupational HIV Infection
• Loss of Independent Existence (as specified in the policy)

Standard Benefits (Included)
Coverage amounts can range from $25,000 to $2,000,000.

Best Doctors(TM)

If you are diagnosed with a serious medical condition, Best DoctorsTM 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 DoctorsTM 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 DoctorsTM 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).

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