Cancer. Get extensive coverage for 34 critical illnesses with just 1 plan. Angioplasty* Brain Surgery. Permanent Paralysis of Limbs.
|
|
- Lionel Short
- 7 years ago
- Views:
Transcription
1 This advertisement is designed for Life & Health variant of ICICI Pru iprotect Smart. The customer has the choice of purchasing other variants of the product as per his/her needs and choice and there is no compulsion to purchase this variant as suggested by the Insurer and as presented in this advertisement. The customer is advised to refer the detailed sales brochure of the individual product mentioned herein. Get extensive coverage for 34 critical illnesses with just 1 plan Apallic Syndrome Benign Brain Tumour Systematic lupus Eryth. w. Renal Involvement Chronic Lung Disease Surgery to aorta Angioplasty* Muscular Dystrophy Heart Attack Heart Valve Surgery Loss of Speech Medullary Cystic Disease Brain Surgery Loss of Limbs Chronic liver disease Primary Pulmonary hypertension Poliomyelitis Deafness Surgery to aorta Cancer Permanent Paralysis of Limbs Cardiomyopathy Major Burns Loss of Speech Alzheimer's Disease Aplastic Anaemia Kidney Failure Loss of Independent Existence Blindness Major Organ/ Bone Marrow Transplant Major Head Trauma Permanent Paralysis of Limbs Motor Neurone Disease with Permanent Symptoms Also get life cover Waiver of Premium on permanent disability due to accident You receive payouts upon first diagnosis of any of the listed illnesses Guaranteed premiums : No increase in premiums as you grow older
2 You work hard to achieve your aspirations a new car, a new house, sending your kids to the best of schools. You also plan for retirement so that you can live life on your own terms while maintaining your current lifestyle in your golden years. But life has its own set of twists and turns. Health problems, in most cases, strike unexpectedly, resulting in a sudden financial burden for the family. Critical illnesses(ci) such as cancer of specified severity, heart attack, stroke, etc. disturb suffering individuals as well as their dependents. The cost of treatment and prolonged recovery procedures forces many to dip into their savings created for their retirement or child's education. It can even create a loan burden on their family to meet this exigency. According to WHO regional advisor Kathleen A. Halloway, a majority of Indians spend around 70% of their income on medicines and healthcare, compared to 30-40% in other Asian countries like Sri Lanka*. Keeping this in mind, we present ICICI Prudential Smart Health Cover with ICICI Pru iprotect Smart, which provides extensive protection against 34 Critical Illnesses, disability, death and terminal illness. *Source: New Delhi, November 2, 2011
3 Key benefits of ICICI Prudential Smart Health Cover with ICICI Pru iprotect Smart Extensive protection against 34 Critical Illness, Disability, Terminal Illness and Death No increase in premium as you grow older Payout on first diagnosis of any of the covered Critical illnesses Longer term coverage up to 30 years available Tax Benefits u/s 80C and 80D of the Income Tax Act, 1961 Key benefits for women Special premium rates Covers female organ cancers, such as breast and cervical cancer
4 Benefits in detail Critical Illness (CI) Benefit On the first occurrence of any of the covered 34 critical illnesses, this benefit is payable. Pay-out on Death or Diagnosis of Terminal Illness Sum Assured will be paid out on: Death of the Life Assured, or Diagnosis of Terminal Illness The policy will terminate on payment of this benefit. Waiver of premium on Permanent disability due to accident On diagnosis of Permanent Disability due to accident, while the policy is in force, all future premiums for all benefits under the policy are waived.
5 Covered Critical Illnesses Sr. No Critical Illness Cancer of specified severity Angioplasty* Heart Attack Heart Valve Surgery Surgery to aorta Cardiomyopathy Primary Pulmonary hypertension CABG Blindness Chronic Lung Disease Chronic liver disease Kidney Failure Major Organ/ Bone Marrow Transplant Apallic Syndrome Benign Brain Tumour Brain Surgery Coma Major Head Trauma Permanent Paralysis of Limbs Stroke resulting in permanent symptoms Alzheimer's Disease Motor Neurone Disease with Permanent Symptoms Multiple Sclerosis with Persisting Symptoms Muscular Dystrophy Parkinson s Disease Poliomyelitis Loss of Independent Existence Loss of Limbs Deafness Loss of Speech Medullary Cystic Disease Systematic lupus Eryth. w. Renal Involvement Major Burns Aplastic Anaemia Categories Cancer Heart and Artery Benefit Major Organ Benefit Brain and Nervous System Benefit Others Please read the definitions and exclusions mentioned in the ICICI Pru iprotect Smart product brochure. *The CI Benefit for Angioplasty is subject to a maximum of ` 5,00,000. On payment of Angioplasty, if the CI Benefit is more than ` 5,00,000 the policy will continue for other CIs with CI Benefit reduced by Angioplasty payout and correspondingly Life cover reduced by the same amount. The future premiums payable for the residual CI Benefit and correspondingly reduced Life Cover will reduce proportionately.
6 Illustration Anil is a 35 years old project manager in an IT company. He wants to ensure that his savings are protected from medical expenses if he were to suffer from a critical illness. Therefore, he chooses ICICI Prudential Smart Health Cover with ICICI Pru iprotect Smart which provides him a CI cover of `10 lakh, for a term of 15 years. ` Undergoes Angioplasty He gets payout of ` 5 lakh Cover of ` 5 Lakh continues for the remaining 33 Critical Illnesses till the end of policy term. Pays annual premium of ` 6,961 Premium reduced to ` 3,480 ` ` ` ` ` ` ` ` ` ` ` ` ` ` ` ` 35 Years 42 Years 50 Years The Premium amount mentioned in the illustration is excluding service tax and cesses, as applicable Eligibility conditions Minimum / Maximum age at entry Minimum / Maximum Policy Term Mode of Premium Payment Maximum Sum Assured 18 / 50 years 10 / 30 years Yearly ` 25,00,000
7 Sum Assured ` 10 Lakh Sum Assured ` 20 Lakh Policy term 10 years 20 years 10 years 20 years 10 years 20 years 10 years 20 years Age Male Male Female Female Male Male Female Female 18 ` 3,451 ` 3,502 ` 3,164 ` 3,164 ` 4,202 ` 4,291 ` 3,722 ` 3, ` 3,471 ` 3,543 ` 3,213 ` 3,277 ` 4,236 ` 4,362 ` 3,794 ` 3, ` 3,488 ` 3,588 ` 3,258 ` 3,341 ` 4,267 ` 4,443 ` 3,861 ` 4, ` 3,525 ` 3,662 ` 3,284 ` 3,387 ` 4,315 ` 4,555 ` 3,905 ` 4, ` 3,558 ` 3,741 ` 3,311 ` 3,439 ` 4,357 ` 4,681 ` 3,952 ` 4, ` 3,588 ` 3,829 ` 3,355 ` 3,516 ` 4,393 ` 4,819 ` 4,012 ` 4, ` 3,592 ` 3,903 ` 3,393 ` 3,596 ` 4,399 ` 4,950 ` 4,064 ` 4, ` 3,634 ` 4,015 ` 3,457 ` 3,704 ` 4,474 ` 4,163 ` 4,163 ` 4, ` 3,728 ` 4,247 ` 3,513 ` 3,805 ` 4,620 ` 5,484 ` 4,265 ` 4, ` 3,834 ` 4,499 ` 3,575 ` 3,919 ` 4,786 ` 5,856 ` 4,378 ` 4, ` 3,959 ` 4,777 ` 3,677 ` 4,142 ` 4,988 ` 6,275 ` 4,542 ` 5, ` 4,105 ` 5,081 ` 3,789 ` 4,379 ` 5,227 ` 6,736 ` 4,723 ` 5, ` 4,276 ` 5,413 ` 3,914 ` 4,634 ` 5,510 ` 7,248 ` 4,929 ` 6, ` 4,578 ` 5,916 ` 4,057 ` 4,908 ` 5,949 ` 7,960 ` 5,166 ` 6, ` 4,915 ` 6,454 ` 4,221 ` 5,203 ` 6,448 ` 8,735 ` 5,440 ` 6, ` 5,280 ` 7,030 ` 4,511 ` 5,654 ` 6,999 ` 9,575 ` 5,861 ` 7, ` 5,682 ` 7,647 ` 4,828 ` 6,123 ` 7,611 ` 10,489 ` 6,331 ` 8, ` 6,124 ` 8,311 ` 5,178 ` 6,617 ` 8,295 ` 11,485 ` 6,861 ` 8, ` 6,719 ` 9,150 ` 5,522 ` 7,103 ` 9,138 ` 12,668 ` 7,378 ` 9, ` 7,362 ` 10,038 ` 5,896 ` 7,612 ` 10,066 ` 13,937 ` 7,948 ` 10, ` 8,045 ` 10,964 ` 6,442 ` 8,306 ` 11,063 ` 15,273 ` 8,713 ` 11, ` 8,765 ` 11,934 ` 7,016 ` 9,020 ` 12,123 ` 16,687 ` 9,528 ` 12, ` 9,536 ` 12,953 ` 7,621 ` 9,758 ` 13,274 ` 18,187 ` 10,398 ` 13, ` 10,582 ` 14,282 ` 8,259 ` 10,520 ` 14,752 ` 20,051 ` 11,324 ` 14, ` 11,699 ` 15,677 ` 8,934 ` 11,312 ` 16,357 ` 22,032 ` 12,317 ` 15, ` 12,883 ` 17,129 ` 9,840 ` 12,376 ` 18,081 ` 24,115 ` 13,560 ` 16, ` 14,150 ` 18,647 ` 10,763 ` 13,461 ` 19,953 ` 26,315 ` 14,831 ` 18, ` 15,525 ` 20,249 ` 11,711 ` 14,575 ` 22,016 ` 28,662 ` 16,147 ` 19, ` 17,377 ` 22,153 ` 12,622 ` 15,678 ` 24,569 ` 31,342 ` 17,392 ` 21, ` 19,318 ` 24,239 ` 13,558 ` 16,813 ` 27,277 ` 34,272 ` 18,677 ` 22, ` 21,302 ` 26,483 ` 14,986 ` 18,258 ` 30,063 ` 24,115 ` 20,478 ` 24, ` 23,377 ` 28,932 ` 16,426 ` 19,832 ` 33,011 ` 40,831 ` 22,296 ` 26, ` 25,524 ` 31,580 ` 17,870 ` 21,539 ` 36,086 ` 44,515 ` 24,120 ` 28,780 Above premium rates are exclusive of taxes and applicable discount. A discount of 1% on each year s premium will be applicable for policy purchased through the Company s Website.
8 Terms and conditions 1.Waiting period for Critical Illness Benefit a. The benefit shall not apply or be payable in respect of any Critical Illness of which the symptoms have occurred or for which care, treatment, or advice was recommended by or received from a Physician, or which first manifested itself or was contracted during the first six months from the Policy issue date or 3 months from the policy reinstatement date where the policy has lapsed for more than 3 months. b. In the event of occurrence of any of the scenarios mentioned above, or in case of a death claim, where it is established that the Life Assured was diagnosed to have any one of the covered critical illness during the waiting period for which a critical illness claim could have been made, the Company will refund all premiums paid from risk commencement date of the policy or from the date of reinstatement as applicable and the policy will terminate. c. No waiting period applies where Critical Illness is due to accident. 2.Tax benefits under the policy are subject to conditions u/s 80C and 80D of the Income Tax Act, Service tax and cesses, as applicable will be charged extra, as per applicable rates. The tax laws are subject to amendments from time to time. 3.For details on Critical Illnesses definitions, waiting period, exclusions, and other terms please refer to the ICICI Pru iprotect Smart product brochure. ICICI Prudential Life Insurance Company Limited. IRDAI Regn No CIN: U66010MH2000PLC , ICICI Prudential Life Insurance Company Limited Registered Address: - ICICI PruLife Towers, 1089, Appasaheb Marathe Marg, Prabhadevi, Mumbai For more details on the risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Call us on (10am-7pm, Monday to Saturday, except national holidays and valid only for calls made from India). Trade Logo displayed above belongs to ICICI Bank Limited & Prudential IP Services Limited and used by ICICI Prudential Life Insurance Company Limited under license. ICICI Pru iprotect Smart UIN: 105N151V01. ADVT: L/II/0827/ BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS IRDAI clarifies to public that: IRDAI or Its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.
We understand that you would want multiple coverage against critical illnesses
PROTECT Enhanced We understand that you would want multiple coverage against critical illnesses PRUmultiple crisis cover Medical advancements over the years have led to better survival and recovery rates
More informationExtra Care Critical Illness Insurance Plan
Extra Care Critical Illness Insurance Plan 25,000 20,000 15,000 10,000 11,378 11,658 11,510 11,791 5,000 4,635 4,969 5,309 5,866 0 3,108 3,218 3,462 3,416 2001 2002 2003 2004 100 N 100 L 280 N 100 N/L
More informationCRITICAL CARE ADVANTAGE
Health Protection CRITICAL CARE ADVANTAGE Be covered across three stages of illness - early, intermediate and critical The chances of a full recovery from a critical illness are now much higher due to
More informationWe understand you want support right from the beginning
PROTECT We understand you want support right from the beginning PRUearly stage crisis cover Should an illness strike, the earlier it is diagnosed, the easier it is to manage and the higher the chances
More informationEnjoy a position of vantage, come what may.
Enjoy a position of vantage, come what may. prucrisis covervantage While you have achieved much in life and you and your family enjoy the benefits of success, there may be times when the unexpected happens.
More informationZ Care. Sow the seeds of a resilient future
Z Care Sow the seeds of a resilient future Secure your best chances of recovery Despite an increasing trend in the number of people diagnosed with critical illness today, more are surviving it. Studies
More informationMaintain your lifestyle even when the unexpected happens
AIA SECURE CRITICAL COVER PROTECTION Maintain your lifestyle even when the unexpected happens Lessen your financial burden with affordable Critical Illness coverage. aia.com.sg Cancer is the No.1 killer
More informationGroup 2: Critical Illness Benefits
Group 2: Zurich s cover is designed to free yourself and your loved ones from the potentially devastating financial impact that follows diagnosis with a critical illness. 1. Level Term Life or Earlier
More informationFrom AXA (Hong Kong)
Specialists in Wealth Management Life & Critical Illness Insurance From AXA (Hong Kong) Product Description Life Insurance: Pays out a fixed and guaranteed cash amount in the event of death Designed to
More informationKey benefits of ICICI Pru Crisis Cover. How does the policy work? Coverage under the policy
Crisis Cover Life is hectic in today's fast paced world. Along with the rapid pace and progress comes the bane of modern life such as increased stress, poor diet and lack of exercise. The alarming aspect
More informationAsteron Life Personal Insurance
Asteron Life Personal Insurance What lump sum covers are available with Asteron Life Personal Insurance? Life Cover Life Cover insurance pays a lump sum of money if you pass away or become terminally ill.
More informationSIMPLY THE ESSENTIALS
PERSONAL INSURANCE SIMPLY THE ESSENTIALS TotalCareMax Essential Disability Income Protection SOMETHING TO THINK ABOUT While your health may suffer a setback, your finances and lifestyle shouldn t have
More informationAsteron Life Business Insurance
Asteron Life Business Insurance What lump sum covers are available with Asteron Life Business Insurance? Life Cover Life Cover pays a lump sum of money if you pass away or become terminally ill. Total
More informationHundred Life Insurance Plan
Hundred Life Insurance Plan Enjoy a worry-free life with life-long protection Do you want yourself and your family to enjoy a worry-free life? To prepare for a better future, you always need to have the
More informationCritical illness conditions covered
For financial adviser use Critical illness conditions covered Provider Alzheimer s Disease age 65 age 60 Aorta graft surgery for disease Benign brain tumour Blindness permanent and irreversible Cancer
More informationPERMANENT DISABILITY TOTAL AND COMPREHENSIVE CRITICAL ILLNESSES. PruBSN Employee Benefit & SUPPORT FINANCIAL ASSISTANCE INCOME REPLACEMENT
PruBSN Employee Benefit YOUR COMMITMENT, THEIR WELL-BEING INCOME REPLACEMENT COMPREHENSIVE CORPORATE PACKAGE ACCIDENT COVERAGE CRITICAL ILLNESSES LIFE COVERAGE FINANCIAL ASSISTANCE & SUPPORT TOTAL AND
More informationWhen it s hard to get the help you need, we ll make it easy.
PROTECTION AIA PRIME CRITICAL COVER When it s hard to get the help you need, we ll make it easy. AIA Prime Critical Cover gives you easy access to critical illness protection with coverage up to age 100.
More informationLet s talk about Critical Illness insurance
Let s talk about Critical Illness insurance ivari can help you and your family keep the quality in quality of life should you be diagnosed with a critical illness. Critical illness insurance from ivari
More informationWhat is ICICI Pru CashBak?
In your life, you always look forward to certain milestones. It may be the birth of a child in your family, the education of your children or purchasing a new home. These milestones have financial liabilities
More informationCovers 60 major critical illnesses. Covers 11 minor critical illnesses. ManuMulti Care
It s a difficult subject to think about, but part of planning for the future is being prepared for the unexpected. Critical illness can happen to anyone, at any time. And it s an unfortunate fact, but
More informationPolicy Summary of Friends Life Individual Protection Critical Illness with Life Cover
Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover FLIP/4569/Mar15 This policy summary gives you important information about the Friends Life Individual Protection Critical
More informationWhen it s hard to get the help you need, we ll make it easy.
PROTECTION AIA PRIME CRITICAL COVER When it s hard to get the help you need, we ll make it easy. AIA Prime Critical Cover gives you easy access to critical illness protection with coverage up to age 100.
More informationPolicy Summary of Friends Life Individual Protection Critical Illness with Life Cover
Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover FLIP/4569/Mar15 This policy summary gives you important information about the Friends Life Individual Protection Critical
More informationProgressive Care Insurance for life A NEW TYPE OF INSURANCE
Progressive Care Insurance for life A NEW TYPE OF INSURANCE New Progressive Care from Sovereign Progressive Care is a type of insurance that is new to New Zealand. It s not a traditional all-or-nothing
More informationINSURANCE World of Protection Upgrade Announcement
INSURANCE World of Protection Upgrade Announcement Leading Life Leading Life in OnePath MasterFund Recovery Cash Stand Alone Recovery Income Safe Plus Income Cover Income Safe Business Expenses Plan July
More informationZurich Life Risk Trauma cover
Product Summary Issued 21 December 2015 Zurich Life Risk Trauma cover Adviser use only Trauma insurance provides a lump sum payment on diagnosis or occurrence of a covered trauma. This is a summary only
More informationYour health is an asset. Don t let critical illness turn it into a liability.
Your health is an asset. Don t let critical illness turn it into a liability. 100% lump sum payout for critical illness1 including early stage My Early Critical Illness Plan Be financially prepared for
More informationConsumers Can Now Compare Life Insurance Products Online and Buy Them Without Commissions
10 Shenton Way MAS Building Singapore 079117 Telephone : (65) 6225-5577 FOR IMMEDIATE RELEASE Consumers Can Now Compare Life Insurance Products Online and Buy Them Without Commissions Singapore, 31 March
More informationBUYING LIFE INSURANCE PRODUCTS DIRECTLY FROM INSURANCE COMPANIES WITHOUT COMMISSIONS
BUYING LIFE INSURANCE PRODUCTS DIRECTLY FROM INSURANCE COMPANIES WITHOUT COMMISSIONS Singapore, 30 July 2014 The Monetary Authority of Singapore (MAS) announced today the features of life insurance products
More informationTaking care of tomorrow
Friends Life Protection Account Critical Illness Cover Guide Taking care of tomorrow Critical Illness Cover Taking care of tomorrow Friends Life Critical Illness Cover is here for you through whichever
More informationOptional Group Critical Illness. Financial support at a critical time
Optional Group Critical Illness Financial support at a critical time Medical advances have greatly increased the ability of Canadians to survive a critical illness. However, few of us are prepared for
More information1. This Notice is issued pursuant to section 64(2) of the Insurance Act (Cap. 142) ( the Act ).
Notice No: MAS 321 Issue Date: 30 March 2015 NOTICE TO LIFE INSURERS INSURANCE ACT, CAP 142 DIRECT PURCHASE INSURANCE PRODUCTS Introduction 1. This Notice is issued pursuant to section 64(2) of the Insurance
More informationCare from the Beginning. ManuCompleteCare (I)
Care from the Beginning ManuCompleteCare (I) Benefits at a Glance: 100% 100% Lump sum payout of the basic sum insured for covered critical illnesses under the Comprehensive Critical Illness Benefit or
More informationLife Living Assurance Customer guide LIVING ASSURANCE. TotalCareMax Customer guide. Life. Take charge. sovereign.co.nz
Life Living Assurance Customer guide LIVING ASSURANCE TotalCareMax Customer guide Life. Take charge. sovereign.co.nz WHAT IS LIVING ASSURANCE? Living Assurance provides you and your family with peace of
More informationCritical Care. Providing comfort whatever happens
Critical Care Providing comfort whatever happens Critical Care Providing comfort whatever happens With rapid advances in medical research and treatments, the chances of surviving a serious medical condition
More informationYour critical illness protection plan
Your critical illness protection plan It could happen to you It is estimated there are over 70,000 heart attacks in Canada each year. There are between 40,000-50,000 strokes in Canada each year. An estimated
More informationThis is what he does to pay for his father s cancer
PROTECTION AIA COMPLETE CRITICAL COVER This is what he does to pay for his father s cancer Your loved ones suffer too when critical illness strikes you. aia.com.sg 01 PROTECTION AIA COMPLETE CRITICAL COVER
More informationEarly Critical Care. confident
Early Critical Care confident It is important to detect a critical illness early, that is when you have the best chance of a recovery. Medical and technological advancement has now made it possible to
More informationCritical Illness Insurance. Second Chance for Children 30 days to 17 years
Critical Illness Insurance Second Chance for Children 30 days to 17 years Second Chance for Children Protect your children in case of critical illness so you can afford to stay by their bedside If one
More informationCRITICAL ILLNESS INSURANCE. ExtensiA. The ideal complement to your group insurance
CRITICAL ILLNESS INSURANCE ExtensiA The ideal complement to your group insurance Peace of mind within your reach Today, progress in medicine and breakthroughs in research have significantly extended our
More informationFacing the challenges of CRITICAL ILLNESS
Facing the challenges of CRITICAL ILLNESS INTRODUCTION What is insurance? In life, we are all faced with threats which, if they occurred, would result in financial loss Insurance is the process of protecting
More informationMortgage Protection and Level Protection Key Features
Mortgage Protection and Level Protection Key Features Lifetime Protection Plan from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationProduct Disclosure Statement Version 11, Issued 21 May 2012. Life s better with the right partner AIA.COM.AU. Priority Protection
Priority Protection Product Disclosure Statement Version 11, Issued 21 May 2012 Life s better with the right partner AIA.COM.AU Who issues Priority Protection? This Product Disclosure Statement ( PDS )
More informationAccelerated Protection. Do I need Critical Illness insurance?
Accelerated Protection Do I need Critical Illness insurance? Are you prepared? It s a fact of life that we all get sick, and sometimes seriously. The cost of recovery from an illness like cancer or heart
More informationWhy CI? Critical Illness Protection from Transamerica for a Broader Spectrum of Coverage
Why CI? Critical Illness Protection from Transamerica for a Broader Spectrum of Coverage What is Critical Illness Protection? Critical Illness Protection is a form of insurance that provides you with a
More informationFreehold Mortgage Protection
Home Loans Freehold Mortgage Protection en s urin g your 2694 0209 HL Freehold Mortgage brochure.indd 1 n home stays i ds n ha r you 19/2/09 3:36:11 PM Secure the roof over your head Buying a home is a
More informationSun Critical Illness Insurance
Sun Critical Illness Insurance PRODUCT FEATURE SHEET CRITICAL ILLNESS INSURANCE gives you a lump sum payment if you are diagnosed with and survive an illness covered by your plan. Having this extra measure
More informationSUPPLEMENTARY NOTES. Personal General Insurance (4 th Edition) Date Of Issue: 1 October 2014
SUPPLEMENTARY NOTES Personal General Insurance (4 th Edition) Date Of Issue: 1 October 2014 The following amendments have NOT been incorporated in the Study Guide. They should be marked up in the Study
More informationnow can protect their future
Life SmartLife your decisions now can protect their future they re in good hands life we re in it together hello Asteron is one of Australia and New Zealand s largest financial services providers with
More informationAsteron Life Personal Insurance
Asteron Life Personal Insurance Policy Document How to contact us If you need to make a claim Call us on 0800 737 101 Email us at claims@asteronlife.co.nz Fax us on 0800 808 144 or 04 495 8851 Write to
More informationcovering 37critical illnesses
covering 37critical illnesses Lumpsum payout irrespective of actual cost of treatment. Benefits provided in addition to payouts under any other plan. Why you need it Key benefits Today we live in a fast
More informationHome Loans. Freehold Mortgage Protection
Home Loans Freehold Mortgage Protection ensuring your home stays in your hands Secure the roof over your head Buying a home is a major step in life. The last thing you want to see is your home slip out
More informationLevel, Renewable and Family Income Protection Key Features
Level, Renewable and Family Income Protection Key Features Lifetime Protection from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationCritical Illness Protection Rider Product Overview
Critical Illness Protection Rider Product Overview Whether it s a young family with a mortgage to pay and other financial commitments, or a couple who is close to retirement and who want to protect their
More informationARE YOU PREPARED FOR A SERIOUS ILLNESS? WHAT IS LIVING ASSURANCE? WHAT DOES IT OFFER ME?
ARE YOU PREPARED FOR A SERIOUS ILLNESS? It s a fact of life that we all get sick, and sometimes seriously. The cost of recovery from an illness like cancer or from a heart attack can have a huge impact.
More informationCRISIS COVER CLAIM FORM (DEAFNESS/ PARTIAL LOSS OF HEARING OR CAVERNOUS SINUS THROMBOSIS SURGERY/ COCHLEAR IMPLANT SURGERY) SECTION
Reg. No 199002477Z CRISIS COVER CLAIM FORM (DEAFNESS/ PARTIAL LOSS OF HEARING OR CAVERNOUS SINUS THROMBOSIS SURGERY/ COCHLEAR IMPLANT SURGERY) SECTION 1 This section is to be completed by the Life Assured
More informationYour family's happiness is priceless.
Your family's happiness is priceless. Happiness and security for our family are what all of us want. However, the uncertainties of life often worry us. The thought of unfortunate events befalling us may
More informationCritical illness. Don't wait to discover what life. has in store. Plan now for your future. and for that of those you love. For you and your children
Peace of mind today and tomorrow Don't wait to discover what life has in store. Plan now for your future and for that of those you love For you and your children CRITICAL ILLNESS This coverage is invaluable
More informationTerm Assurance INVESTMENTS PENSIONS PROTECTION
Term Assurance About Canada Life Established in 1903, the Canada Life Group has grown to be a modern and dynamic international financial services business. We are part of Great-West Life, one of the world
More informationCritical Illness Insurance. Second Chance for Children 30 days to 17 years
Critical Illness Insurance Second Chance for Children 30 days to 17 years Second Chance for Children Protect your children in case of critical illness so you can afford to stay by their bedside If one
More informationCritical Illness Insurance. What is Critical Illness Insurance
Critical Illness Insurance What is Critical Illness Insurance Whereas life insurance has been readily available for literally hundreds of years, critical illness insurance is a relatively recent development.
More informationLIFE BOLD SIMPLE DIFFERENT. A personal approach to life cover LIFE
LIFE SIMPLE BOLD DIFFERENT A personal approach to life cover LIFE ALEXANDER FORBES LIFE Protecting your wealth to secure your financial well-being Flexible, to change as often as life does. You can change
More informationA TERM PLAN THAT OFFERS MORE THAN THE SUM ASSURED. Aegon Life Term Insurance Plan A life insurance plan
A TERM PLAN THAT OFFERS MORE THAN THE SUM ASSURED Aegon Life Term Insurance Plan A life insurance plan INTRODUCTION Your family looks to you for support and strength. You have given them the best till
More informationLifeProtect. Serious illness cover. Protecting YOU FROM THE BIGGEST RISKS YOU LL FACE
LifeProtect Serious illness cover Protecting YOU FROM THE BIGGEST RISKS YOU LL FACE Important Note - Please read Zurich s Serious Illness Cover is subject to terms and conditions which are contained in
More informationProfessional Wealth LIFE
Whole Life Dread Disease Benefit Professional Wealth LIFE ALEXANDER FORBES The Whole Life Dread Disease Benefit The Whole Life Dread Disease Benefit will provide a lump sum payment if you are diagnosed
More informationInsurance from MLC. Making your insurance even better. MLC Life Cover Super and MLC Personal Protection Portfolio
Insurance from MLC Making your insurance even better MLC Life Cover Super and MLC Personal Protection Portfolio Effective from: 17 October 2011 Making sure you re well protected We regularly review our
More informationCritical Illness with Term Assurance
AIG Life Critical Illness with Term Assurance Our comprehensive Critical Illness with Term Assurance delivers more value and quality to the customer and their family than ever before. It is designed to
More informationKey Features. Pegasus. Key features of the Pegasus Personal Assurance plan. Important information you need to read.
Pegasus Key Features Personal Assurance Plan Key features of the Pegasus Personal Assurance plan. Important information you need to read. The Financial Services Authority is the independent financial services
More informationFor customers Friends Life Individual Protection. Childcover benefit
For customers Friends Life Individual Protection Childcover benefit Helping to protect the whole family Most parents don t want to think about what would happen if their child became critically ill. However,
More informationREAL Trauma Cover. What is it?
PROTECTION PERSONAL REAL Trauma Cover What is it? REAL Trauma Cover pays you a lump sum of up to $2 million if you suffer any of the 43 critical illnesses specified in the policy, such as cancer, heart
More informationvital link Critical Illness Insurance It s about living your life Your guide to Critical Illness Insurance
vital link Critical Illness Insurance It s about living your life Your guide to Critical Illness Insurance You really feel like you re on the right track. Your life seems to be going just as you planned.
More informationCritical Illness with Term Assurance
AIG Life Critical Illness with Term Assurance Our comprehensive Critical Illness with Term Assurance delivers more value and quality to the customer and their family than ever before. It is designed to
More informationCrisis Defender & Early Crisis Protector
Crisis Defender & Early Crisis Protector MEDICAL Shield yourself with Prudential's comprehensive critical illnesses coverage! It s now a comprehensive crisis coverage with Crisis Defender & Early Crisis
More informationAn insurance plan with the advantage of Liquidity
An insurance plan with the advantage of Liquidity CashBak In your life, you always look forward to certain milestones. It may be the birth of a child in your family, the education of your children or purchasing
More informationZurich Life Risk Zurich Protection Plus
Product Summary Issued 1 March 2015 Zurich Life Risk Zurich Protection Plus Adviser use only Zurich Protection Plus is a flexible package which allows you to choose any combination of Death cover, TPD
More informationProtecting you and your world. Mortgage Protection. With Serious Illness Cover
Protecting you and your world Mortgage Protection With Serious Illness Cover Serious Illness Cover for your Mortgage from Caledonian Life Caledonian Life s Mortgage Protection policy offers you a cost-effective
More informationIKHLASlink Comprehensive Critical Illness Benefit Secure Takaful Rider
IKHLASlink Comprehensive Critical Illness Benefit Secure Takaful Rider 1. IKHLASlink Comprehensive Critical Illness Benefit Secure Takaful Rider Securing life uncertainties. With IKHLASlink Comprehensive
More informationSymbility Health Adjudicare Group Insurance Plan Outline
Symbility Health Adjudicare Group Insurance Plan Outline 2013 Symbility Solutions Inc. Who is Eligible? All Eligible Employees under the age of 65, working a minimum average of 15 hours per week are Eligible
More informationKey facts of AA Life Insurance with Critical Illness Cover
Key facts of AA Life Insurance with Critical Illness Cover The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life Limited, to give you important
More informationSecure your hard earned assets. This is a non-linked non-participating protection oriented insurance plan
Secure your hard earned assets This is a nonlinked nonparticipating protection oriented insurance plan ICICI Pru Loan Protect a NonParticipating NonLinked Term Insurance Plan ICICI Pru Loan Protect is
More informationComplete protection for your home loan.
Complete protection for your home loan. Life Insurance Cover for your home loan liability Covers entire home loan even when interest rates increase Terminal Illness Cover Optional Cover for accidents,
More informationEquiLiving Critical Illness Administration Rules and Guidelines Document (June 1, 2015)
EquiLiving Critical Illness Administration Rules and Guidelines Document (June 1, 2015) Prepared by: Individual Life Product Development Base plans... 4 Plan options... 4 Issue ages... 4 Coverage types...
More informationSqueeze TAX to the MAX. by Subhash Lakhotia
FY 2014-15 Squeeze TAX to the MAX by Subhash Lakhotia 1 Quick guide to Save Tax for FY 2014-15 1 Section 80C investment limit increased to ` 1.5 Lakhs. Invest and save tax upto ` 46,350*. 2 Gifts received
More informationDoctors of BC Critical Illness Insurance
Doctors of BC Critical Illness Insurance CI Critical Illness Insurance Have greater control over the impact a serious illness may have on your life. As a doctor, you ve likely witnessed patients trying
More informationCritical Illness Claims Report 2006
This communication is intended for qualified financial advisers only and must not be relied upon by anyone else. This is the Critical Illness Claims Report 2006 from Assurance Limited Hello. This report
More informationChild LifeAdvance. Critical illness insurance for children
Child LifeAdvance Critical illness insurance for children 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
More informationWestpac Insurance. Life & Loan Insurance
Westpac Insurance Life & Loan Insurance July 2013 Life it s rather unpredictable, isn t it? That s why our range of insurance cover is so flexible. We understand that everyone has different insurance needs
More informationINSURANCE. Agribusiness Extra
INSURANCE Agribusiness Extra Agribusiness Extra provides insurance cover specifically designed to protect the unique needs of those who work in the agricultural sector. It aims to protect the financial
More informationLiving Benefit Plans
Living Benefit Plans What is Critical Illness Insurance? Critical Illness Insurance pays a lump sum Benefit upon diagnosis of a covered condition, such as, heart attack, cancer and stroke. History Origins
More informationPricing Dread Disease Insurance Edward Fabrizio and Warren Gratton 1994
Pricing Dread Disease Insurance Edward Fabrizio and Warren Gratton 1994 Report presented to Institute of Actuaries of Australia meeting Twenty years ago when life insurance agents roamed, it was probably
More informationSUPER CARE CRITICAL ILLNESS PROTECTOR
SUPER CARE CRITICAL ILLNESS PROTECTOR At ACE Life, we are committed to helping our valued customers achieve financial security and have a peace of mind through our comprehensive range of life insurance
More informationCritical Illness Protection. Introducing our new standalone CI product AUGUST 2014
Critical Illness Protection Introducing our new standalone CI product AUGUST 2014 Critical Illness Protection A BROADER SPECTRUM OF COVERAGE 2 What we ll cover 1 The new kid in town Critical Illness Protection
More informationTHE MARKET AT A GLANCE.
1 BUSINESS PROTECTION SETTING UP BUSINESS PROTECTION POLICIES CRITICAL ILLNESS COVER COMPETITOR COMPARISON THE MARKET AT A GLANCE. We believe our Critical Illness Cover offers a competitive alternative
More informationIndividual Living Benefits Product Portfolio. Personal income, lifestyle and business protection
Individual Living Benefits Product Portfolio Personal income, lifestyle and business protection PROFESSIONAL MARKET The Professional Series policy OBJECTIVE n Provides non-cancellable coverage that includes
More informationChild cover. Free. child cover offer inside
Child cover Free child cover offer inside Protecting your most precious asset It s a natural desire to want to wrap your child in cotton wool and protect them from harm. But while cotton wool might protect
More informationKey features of Skandia Protect
Key features of Skandia Protect Flexible life and critical illness cover The Financial Conduct Authority is a financial services regulator. It requires us, Skandia, to give you this important information
More informationOverview. Business Protection Plan. Safeguard the future of your business.
Overview Business Protection Plan Safeguard the future of your business. When a business loses its sole trader, a key employee, an owner or a business partner, the consequences can be dramatic. Profits
More informationWe have made the following changes to the Critical Illness events covered under our group critical illness policy.
We have made the following changes to the Critical Illness events covered under our group critical illness policy. March 2015 Because everyone needs a back-up plan 7 New critical illness events added to
More informationBusiness Plan - What You Need to Know
KEY FACTS OF OUR BUSINESS MENU PLAN Protection Business Menu Important information you should read WHAT S INSIDE See if our plan is right for you 3 The aims of our plan 3 Your commitment 4 The risks 4
More information