Child LifeAdvance. Critical illness insurance for children
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- Damian Wilkerson
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1 Child LifeAdvance Critical illness insurance for children
2 You may not want to even think about the possibility of your child becoming critically ill, but what if it does happen? Would you want financial resources to: Take time off work and be with your child? Choose the care available? Focus on your child s recovery and not other financial concerns? How can Child LifeAdvance critical illness insurance help? Child LifeAdvance features and options: Lump sum benefit of $10,000 to $250,000 Optional return of premium riders Conversion option to LifeAdvance critical illness insurance for adults Guaranteed, level premiums to age 25 A lump sum benefit when you need it most Child LifeAdvance pays a lump sum benefit if the insured child is diagnosed with one of 24 critical illness insured conditions. This includes five insured childhood-related conditions. The lump sum benefit is usually payable 30 days after the diagnosis of a covered critical illness insured condition as defined in the policy. Child LifeAdvance critical illness insured conditions Aortic Surgery Aplastic Anemia Bacterial Meningitis Benign Brain Tumour Blindness Coma Coronary Artery Bypass Surgery Deafness Heart Attack Heart Valve Replacement Kidney Failure Life-Threatening Cancer Loss of Limbs Loss of Speech Major Organ Failure on Waiting List Major Organ Transplant Paralysis Severe Burns Stroke Five insured childhood-related conditions: Cerebral Palsy Cystic Fibrosis Congenital Heart Disease Muscular Dystrophy Type 1 Diabetes Mellitus 1
3 With Child LifeAdvance, you may also have access to additional benefits: Illness Assist Benefit Provides you with a one time lump sum benefit of 10% of the critical illness benefit up to $25,000 Critical illness benefit is not reduced Benefit provided if the insured child receives a written diagnosis for one of the following: Ductal Breast Cancer, Early Prostate Cancer or Superficial Malignant Melanoma or if the insured child undergoes Coronary Angioplasty Surgery Advance Provides you with an advance of 10% of the critical illness benefit up to $15,000, if the insured child is diagnosed with a critical illness insured condition as defined in the policy, and requires surgery as a result of this condition. Conversion option upon policy expiration coverage for now, coverage for life The policy expires on the policy anniversary nearest the insured child s 25 th birthday. Two months prior to when the child is 25, the owner may apply to convert all or a portion of the coverage without underwriting to a critical illness insurance policy available for conversion. Child LifeAdvance optional benefit riders You also have the option to add a return of premium rider to the policy, providing you with a benefit if no claim is made for one of the critical illness insured conditions. Return of Premium at Expiry Rider Returns up to 100% of eligible premium to you on expiry of the policy at age 25 up to a maximum of $250,000. Return of Premium at Death Rider Returns 100% of eligible premium to you if the insured child dies up to a maximum of $250,000. Note on ownership: Child LifeAdvance critical illness insurance policies must be owned by an adult with an insurable interest in the child. For example, parents, grandparents, and legal guardians would qualify as owners. To help ensure that Child LifeAdvance critical illness insurance is part of an overall financial security plan, one or both parents or legal guardians should have their own critical illness insurance as well as all eligible children. Purchasing Child LifeAdvance now can enable your child to have critical illness insurance coverage for life with no further underwriting or medical evidence! 2 3
4 4 Best Doctors and Shepell fgi there when you need it most With Child LifeAdvance you have access to the services of Best Doctors and counselling and support from Shepell fgi. Best Doctors Best Doctors is one of the world s pre-eminent independent authorities of healthcare, conducting peer-based physician evaluations in more than 40 specialties around the world. Best Doctors gathers up to 2.5 million evaluations each year through telephone interviews and proprietary polling. Only approximately 5% of doctors in any country are selected as the best by their peers. Best Doctors continuously asks physicians the same question: If you or a family member need a doctor in your specialty, who would you refer them to? Best Doctors services: InterConsultation an in-depth review of the insured child s medical records, personalized medical evaluation and treatment recommendations from specialists affiliated with leading medical institutions throughout the world FindBestDoc the names and professional profiles of up to three top specialists based on geographic preference for the insured child, who have been identified by other doctors as the best for treating the insured child s condition FindBestCare assistance with medical appointments and monitoring of the treatment process to help ensure that the insured child s medical priorities are met Shepellfgi Shepellfgi has been providing professional counselling services nationwide since For up to one year after diagnosis of a critical illness insured condition, the insured child and primary caregiver will have access to the following services: Shepellfgi services: Professional counselling services Confidential support and assistance from skilled counsellors to assist with personal or emotional issues. Includes up to 12 sessions for the insured child and immediate family members. Child and elder care resources Community resource referrals for any child care, elder care or parenting concerns one may face when dealing with a critical illness. Legal and financial consultation Professional financial advice to help with day to day budgeting given possible changes in employment or financial situation, as well as general legal consultation on wills, trusts, estate planning or any related legal issues. Registered dieticians Information from registered dieticians to help answer questions about changes to diet that may be required as a result of the condition. Online information library A convenient reference source for personal, family and healthy lifestyle information from a website loaded with resources, fact sheets, articles and links to information that may be of help to the insured child and family. Homecare resources Homecare referrals are available to assist if post-operative care or help with general home care is required. Smoking cessation Support and guidance for the insured child through a smoking cessation program. Online stress management Internet based, self-paced, interactive program to help the insured child and immediate family members deal with the symptoms and management of stress. Access to these Services is not part of the policy contract. Canada Life is not obligated to make the services provided by Best Doctors, Inc. or Shepellfgi available and may change or cancel access to these services at any time without notice.
5 For more information about Canada Life and its products, visit For more information about how LifeAdvance or Child LifeAdvance critical illness insurance may fit your needs ask your financial advisor for an illustration. The Canada Life Assurance Company, a subsidiary of The Great-West Life Assurance Company and a member of the Power Financial Corporation group of companies, provides insurance and wealth management products and services. Founded in 1847, Canada Life is Canada s first domestic life insurance company. Helping people achieve more Canada Life and design, Helping people achieve more, LifeAdvance and Child LifeAdvance are trademarks of The Canada Life Assurance Company. Best Doctors, InterConsultation, FindBestDoc and FindBestCare are trademarks or registered trademarks of Best Doctors, Inc. in the United States and other countries. Shepellfgi is a trademark of Shepell FGI LP. 172 CAN-5/08
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