Critical Illness Choosing the right protection isnt just smart its Critical

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Critical IllnessChoosing the right protection
isnt just smart its Critical

• Name
• Title
• Date

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Critical Illness Insurance Profile

• Tom and Natalie are both 37 years old
• Have two children Claire is seven and Ethan is
  four
• Natalie is a freelance writer
• Both have life insurance
• Natalie has disability insurance

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Critical Illness Insurance Who needs it?

• How important is it?
• What are the chances of one of them getting sick?
• The chance of getting a critical illness? High
• The impact on their familys finances if one of
  them got sick? Very high

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Critical Illness Insurance Who needs it?

• Provides a cash benefit if they were diagnosed
  with a covered condition and survived the waiting
  period
• Complements her disability policy
• Provides protection if they receive common
  medical diagnoses including
• Cancer
• Heart attack
• Stroke

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• Critical Illness Insurance What to look for

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General

• A broad selection of coverage options
• For example, renewable in 10 or 20 years or
  payable to age 100

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General

• Coverage that focuses on conditions people are
  most likely to suffer
• For example, cancer, stroke, and heart attack

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Heart Attack

• Coverage for treatments most commonly recommended
  and/or performed
• For instance, coronary angioplasty

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Heart Attack

• A contract definition for heart attack that
  allows diagnostic testing for elevated
  biochemical markers versus elevated cardiac
  enzymes

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Cancer

• Partial coverage for the early stages of breast
  and prostate cancer
• Ductal carcinoma in-situ of the breast and early
  stage T1a or T1b prostate cancer

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Cancer

• Some level of continuing critical illness
  coverage if you are diagnosed with cancer within
  the first 90 days of buying the policy

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Cancer

• A 100 payout if cancer tumours are diagnosed in
  the presence of HIV

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Partial Benefits

• Strong partial benefits coverage for early stages
  of
• Breast cancer
• Prostate cancer
• Coronary angioplasty

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Advance Payment

• An advance payment that applies to all covered
  conditions
• Doesnt require you to satisfy the waiting period

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Critical Illness Insurance Ideal Candidates

• Definite need
• Good health
• No family history of serious illness

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• Choosing the right protection isnt just smart
  its Critical

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Important Information
This presentation is made to provide information
about situations where an insurance product may
provide a solution to meet your insurance or
financial planning needs. The effectiveness of
the product in meeting your need will depend on
your particular situation. This presentation is
not a contract and the results described are not
guaranteed.   To help you in making a more
informed purchase decision, you should   1.
Review the appropriate product illustrations that
must accompany this presentation. Feel free to
ask questions about the concepts presented and
products described.   2. References to taxes are
based on current Canadian Income Tax laws and
regulations. Changes in tax laws may impact the
effectiveness of the product in meeting your
needs and the validity of the concepts described
herein.   3. The insurance product benefits
described MAY or MAY NOT be achieved depending on
actual experience. Please review the assumptions
made in the preparation of the insurance product
illustration including assumptions about the
amount and timing of deposits, interest rates,
dividend scales, inflation and taxes. Note that
if actual results are less favourable than the
assumptions the benefits of the insurance policy
may be reduced and additional deposits may be
required. Please review the policy values and
guarantees described in the insurance product
illustration(s).   4. An assumption has been
made regarding life expectancy (L.E.). Living
beyond the assumed age of life expectancy could
result in a need for additional deposits to the
insurance product.   5. Please be aware you can
request additional presentations with different
insurance products or using different assumptions
(life expectancy, interest rates or returns,
deposits) to demonstrate how changes in actual
results will impact the policy. Consider whether
the policy still meets your needs if the actual
results change.