Uninsurable?

Do you have pre-existing medical conditions or a poor health history that makes it impossible to purchase life insurance? Have you been told you are “uninsurable”?

There is insurance out there for you.

You are eligible to purchase up to $25,000 of Life Insurance and/or up to $25,000 of Critical Illness Insurance if you are between the ages of 30-85. Final Expense Coverage up to $25,000 (Issue ages 30-85, coverage to age 100)

Final Expense Coverage – Life Insurance up to $25,000

This guaranteed issue life insurance plan is perfect for covering the cost of final or funeral expenses in the event of your death.

Don’t leave your loved ones the financial burden of unforeseen expenses such as mortgage or becoming a single parent. 4 times the benefit will be paid if your death is due to an accident.(less any Living Benefits already paid.)

Living Benefit -  If you are diagnosed with a terminal illness with a prognosis of death within twelve months, you will be paid 50% of the Final Expense Coverage in force, provided insurance has been in force for at least 2 full years at the time of diagnosis.

Final Expense Benefit Limitation: Benefits are not payable if death is caused by suicide within 2 years of the effective date or latest reinstatement date of coverage, in such event payment will be limited to return of premiums. If a non accidental death occurs within 2 years of the effective date or latest reinstatement of coverage, payment will be limited to return of premiums with 10% interest.

Critical Illness Coverage up to $25,000

A tax free lump sum payment to you when diagnosed with a Covered Critical Illness Condition while insurance is in force.

This benefit is meant to provide for payment if you are diagnosed with one of the covered conditions following the effective date of coverage. There is a pre-existing condition limitation, please speak with myself to understand how this affects your coverage.

• You must survive 30 days following the date of diagnosis or such longer period as described in the “Definitions”
• The date of Diagnosis must be after the effective date of your coverage or the most recent reinstatement date
• Payment of the Critical Illness Benefit is limited to only the first condition to occur
• While coverage is worldwide, diagnosis must be made by a Canadian Physician