Care from the Beginning. ManuCompleteCare (I)

Size: px
Start display at page:

Download "Care from the Beginning. ManuCompleteCare (I)"

Transcription

1 Care from the Beginning ManuCompleteCare (I)

2

3 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 upon loss of life or Total and Permanent Disability. Additional lump sum payout of the basic sum insured under the Additional Critical Illness Benefit. 20% of the basic sum insured as additional lump sum payout under the Special Benefit. A maximum of 6 claims can be made with no waiting period between the claims. The Plan that Cares With medical advancements and the growing popularity of periodic health screening, it is increasingly common to detect critical illnesses early. While early diagnosis enhances the chances of a full recovery, it is important to have a financial plan to help you cope with your expenses incurred during the period of recuperation. From as little as S$ a day, ManuCompleteCare (I), a critical illness protection plan, is designed to give you financial support for the treatment of critical illnesses 2, which include early stage cover for many covered critical illnesses. The payouts from this plan can be used to explore a choice of treatment options as you focus on your recovery. to defray expenses not covered by medical insurance plans. as income replacement in the event that you are unable to work or prefer to take a break from work due to critical illness. 1 Premium is based on annual mode of payment and profile is based on a male, non-smoker, aged 25 at last birthday, who purchased ManuCompleteCare (I) with policy term to age 65 for a sum assured of S$50,000. Premium rates are not guaranteed and may be adjusted by Manulife (Singapore) Pte. Ltd. based on future experience. 2 Amount paid by Manulife (Singapore) Pte. Ltd. is subject to per life limits for critical illnesses. ManuCompleteCare (I) 02

4 Caring for You, Right from the Beginning ManuCompleteCare (I) pays the basic sum insured 3 in the event that the Life Insured is diagnosed as suffering from any one of the covered Comprehensive Critical Illnesses 4, which include illnesses that are in the early stages. The lump sum payout from ManuCompleteCare (I) will come in handy as it helps to defray expenses not covered by medical insurance plans. The payout could also be used to pay for your mortgage instalments and children s education fees or to provide replacement of income. 3 The minimum and maximum basic sum insured for the plan are respectively S$30,000 and S$150, There is a waiting period of 90 days from the Policy Issue Date or date of last reinstatement, whichever is later. No benefit will be payable for events occurring within this waiting period. This Policy will terminate if 100% of the basic sum insured is paid.

5 Covered Comprehensive Critical Illnesses List of covered Comprehensive Critical Illnesses 5 Alzheimer's Disease/Dementia 6 Aplastic Anemia Apallic Syndrome Bacterial Meningitis Benign Brain Tumour Blindness (Loss of Sight) 6 Cancer (including In- Situ/ Early Cancer) Chronic Kidney Disease or Kidney Failure Deafness (Loss of Hearing) Cardiomyopathy Coma Defined Surgical Procedures of Central Nervous System Chronic Hepatitis with Cirrhosis Coronary Artery Bypass Surgery and other defined cardiac procedures End Stage Liver Failure (Chronic) End Stage Lung Disease (Chronic) Facial Reconstructive Surgery Fulminant Hepatitis Heart Attack of Specified Severity Heart Valve Surgery HIV due to Blood Transfusion, Assault, Organ Transplant & Occupational Acquired HIV Liver Surgery Loss of Independent Existence Loss of Speech Major Burns Major Head or Spinal Trauma Major Organ/Bone Marrow Transplantation Motor Neurone Disease Multiple Sclerosis Muscular Dystrophy Nephrectomy Other Serious Coronary Paralysis (Loss of Limbs) Artery Disease Parkinson's Disease 6 Poliomyelitis Progressive Scleroderma Pulmonary Hypertension Severe Asthma Severe Epilepsy Specified Surgical Procedures of Stroke Surgery to Aorta Cardiovascular System Surgical Removal of One Lung Systemic Lupus Erythematosus Viral Encephalitis At the same time, ManuCompleteCare (I) also provides insurance coverage for Total and Permanent Disability 7 (TPD) until age 65 and for loss of life 8. 5 Our Comprehensive Critical Illnesses that do not cover early stages are: Apallic Syndrome, Benign Brain Tumour, End Stage Lung Disease, End Stage Liver Failure, Fulminant Hepatitis, Heart Attack, Poliomyelitis and Stroke. 6 Alzheimer s Disease, Blindness (Loss of Sight) and Parkinson s Disease are also in the list of covered Additional Critical Illnesses, but they are the more severe forms of the illnesses than these appearing under the list of covered Comprehensive Critical Illnesses. The definitions can be found in the Product Summary that can be obtained from a Manulife Financial Planner or any of our appointed distributors. 7 This Policy pays the basic sum insured in the event the Life Insured suffers TPD before the policy anniversary immediately following the Life Insured s 65 th birthday. The disability must be for a minimum period of 6 consecutive months before a claim can be admitted. The policy will terminate upon such a claim unless the full sum insured is not paid out due to per life limits for TPD. 8 In the event of loss of life of the Life Insured, this Policy will pay the basic sum insured. The Policy will terminate upon such a claim. This benefit is not payable if the Life Insured dies from suicide within 1 year from the Policy Issue Date or date of reinstatement, whichever is later. ManuCompleteCare (I) 04

6 Extra Support that You will Need To further help you lighten the financial burden, if the Life Insured is diagnosed with any of the covered Additional Critical Illnesses, which are known to be particularly expensive to treat, ManuCompleteCare (I) will pay 100% of the basic sum insured as the Additional Critical Illness Benefit 9. This is in addition to the Comprehensive Critical Illness Benefit which is also payable. Covered Additional Critical Illnesses (Loss of Sight) 10 List of covered Additional Critical Illnesses Alzheimer's Disease/Severe Bladder Cancer Blindness Dementia 10 Bone Cancer Brain Cancer Larynx Cancer Leukemia Esophagus Cancer Parkinson's Disease 10 The coverage for these conditions will cease at the end of the selected policy term, except that if the policy term chosen is one which ceases at the Policy Anniversary immediately after the Life Insured s 99 th birthday, coverage will cease at the Policy Anniversary immediately after the Life Insured s 85 th birthday. 9 To be eligible for the Benefit, the Life Insured has to survive for a period of seven (7) days from the date of diagnosis. A waiting period of 90 days from the Policy Issue Date or date of last reinstatement, whichever is later, applies to this Benefit. No benefit will be payable for events occurring within this waiting period. In addition, if a Comprehensive Critical Illness claim is paid before an Additional Critical Illness claim is submitted, and where the Policy terminates on the diagnosis of the Comprehensive Critical Illness, no Additional Critical Illness Benefit will be paid. 10 Alzheimer s Disease, Blindness (Loss of Sight) and Parkinson s Disease are also in the list of covered Comprehensive Critical Illnesses, but they are the less severe forms of the illnesses than these appearing under the list of covered Additional Critical Illnesses. The definitions can be found in the Product Summary that can be obtained from a Manulife Financial Planner or any of our appointed distributors.

7 Special Benefits ManuCompleteCare (I) provides you with an additional payout of 20% of the basic sum insured 11 for covered Special Benefit Conditions. The additional payout will help you better manage the incurred medical expenses and lifestyle changes as a result of the illness. A maximum of 6 claims 12 can be made under the Special Benefit with no waiting period between claims. In this way, you will not have to worry about your treatment being affected due to delayed payments. Covered Special Benefit Conditions Angioplasty and Other Invasive Treatment for Coronary Artery Mastectomy due to carcinoma-in-situ or Cancer of the breast List of covered Dengue Haemorrhagic Fever # Special Benefit Diabetic Complications Conditions Osteoporosis with Fractures Severe Rheumatoid Arthritis Wilson s Disease The coverage for these conditions will cease at the end of the selected policy term, except that if the policy term chosen is one which ceases at the Policy Anniversary immediately after the Life Insured s 99 th birthday, coverage will cease at the Policy Anniversary immediately after the Life Insured s 85 th birthday. Insulin Dependent Diabetes Mellitus Kawasaki Disease # Diagnosis of Dengue Fever alone does not meet the definition of this condition. Osteogenesis Imperfecta Rheumatic Fever with Valvular Impairment Severe Haemophilia Severe Juvenile Rheumatoid Arthritis Type I Juvenile Spinal Amyotrophy The coverage for these conditions will cease at the Policy Anniversary immediately after the 18 th birthday for the Life Insured. 11 Each Special Benefit is 20% of the basic sum insured (capped at S$25,000 per condition, aggregating all policies which we are liable for on the Life Insured). Payment of the Special Benefit does not reduce the basic sum insured. Each of the Special Benefit Conditions can only be paid once. A waiting period of 90 days from the Policy Issue Date or date of last reinstatement, whichever is later, applies to this Benefit. No benefit will be payable for events occurring within this waiting period. 12 Each of the claims must be for a different covered Special Benefit Condition. Waiting period still applies to each of the claims. ManuCompleteCare (I) 06

8 ManuCompleteCare (I) for You and Me Almost anyone can enjoy the comprehensive benefits of ManuCompleteCare (I). Life Insured has to be between the ages of 30 days and 65 years old at the time of application. Entry Age* Policy Term 30 days 55 To Policy Anniversary immediately after Life Insured s 65 th /75 th /85 th /99 th birthday 30 days 65 To Policy Anniversary immediately after Life Insured s 75 th /85 th /99 th birthday * Age refers to age at last birthday Premiums payable are based on the Life Insured s entry age 13. Therefore, the earlier you start this plan, the lower your regular premium payable. Illustrative Example 1 Mr. Tan is a 25-year-old non-smoker, who has ManuCompleteCare (I) that covers him till age 65. For a basic sum insured of S$50,000, he pays an annual premium of S$ (S$1.47 per day). At age 32, he is diagnosed with Dengue Haemorrhagic Fever while holidaying in Thailand. He recovers from this and makes a Special Benefit claim. Manulife (Singapore) Pte. Ltd. pays him S$10,000 (20% of the basic sum insured). At age 40, during a routine health check, he is found to have serious cardiac arrhythmia. He is then treated with an insertion of a cardiac pacemaker. He makes a Comprehensive Critical Illness claim and Manulife (Singapore) Pte. Ltd. pays him the basic sum insured of S$50,000. His policy terminates thereafter. Mr. Tan pays: 15 years x S$ = S$8, Manulife (Singapore) Pte. Ltd. pays: S$10,000 + S$50,000 = S$60,000 Illustrative Example 2 Mrs. Lee is a 40-year-old non-smoker, who has ManuCompleteCare (I) that covers her till age 85. For a basic sum insured of S$150,000, she pays an annual premium of S$4, (S$12.70 per day). At age 47, she is diagnosed with Brain Cancer. Her doctor classifies her cancer as late stage and recommends aggressive medical intervention. She is able to make claims under both the Comprehensive Critical Illness Benefit and Additional Critical Illness Benefit. Manulife (Singapore) Pte. Ltd. pays her a total of S$300,000 (200% of the basic sum insured). The payout goes a long way to help to alleviate her treatment expenses. Her policy terminates thereafter. Mrs. Lee pays: 7 years x S$4, = S$32, Manulife (Singapore) Pte. Ltd. pays: 200% x S$150,000 = S$300, Premium rates are not guaranteed. Manulife (Singapore) Pte. Ltd. reserves the right to change the premium rates by giving 30 days notice.

9 Designed to offer financial support for the treatment of critical illness and to supplement loss of income, ManuCompleteCare (I) s coverage allows you to focus on recovery without having to worry about the additional expenses burdening your loved ones. Speak to your Manulife Representative today or call to find out more about ManuCompleteCare (I). Important Notes ManuCompleteCare (I) is underwritten by Manulife (Singapore) Pte. Ltd. (Reg. No D), a Manulife company. Buying health insurance products that are unsuitable may impact your ability to finance your future healthcare needs. You may wish to seek the advice of a financial adviser before making a commitment to purchase the policy. In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether this policy is suitable for you. It is usually detrimental to replace an existing insurance policy with a new one. You may be disadvantaged as the new policy may cost more or have fewer benefits at the same cost. This marketing material is for general information only. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the policy. The specific details applicable to this insurance policy are set out in the policy contract. This policy is protected under the Policy Owners Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of the coverage, where applicable, please contact Manulife (Singapore) Pte. Ltd. or visit the LIA or SDIC websites (www.lia.org.sg or This marketing material is also available in Chinese. In case of discrepancy between the English and Chinese versions, the English version shall prevail. Information is correct as at 19 January ManuCompleteCare (I) 08

10 About Manulife Manulife is a leading Canadian-based financial services group operating in 22 countries and territories worldwide. For more than 120 years, clients have looked to Manulife for strong, reliable, trustworthy and forward thinking solutions for their most significant financial decisions. Our international network of employees, financial planners and distribution partners offers retirement, financial protection and wealth management products and services to millions of clients. We provide asset management services to institutional customers worldwide as well as reinsurance solutions, specialising in property and casualty retrocession. Manulife has operated in Asia since 1897, leading the way in providing financial security for millions of clients in the region through protection and wealth management products in 11 countries. Our strong and stable capital level enables us to sustain high credit ratings, finance new opportunities and most importantly maintain our commitment to our policyholders. Manulife trades as MFC on the TSX, NYSE and PSE, and under 945 on the SEHK. Manulife can be found on the Internet at

11

12 Manulife (Singapore) Pte Ltd, Reg No D A Manulife Company Main Office: Manulife Centre, 51 Bras Basah Road, #09-00, Singapore Tel: Client Service Centre: #01-02C, Manulife Centre (Entrance off Waterloo Street) Tel: Website: Retirement Microsite: Manulife and the block design are registered service marks and trademarks of The Manufacturers Life Insurance Company and are used by it and its affiliates, including Manulife Financial Corporation.

Your 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. 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 information

CRITICAL CARE ADVANTAGE

CRITICAL 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 information

We understand you want support right from the beginning

We 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 information

Enjoy a position of vantage, come what may.

Enjoy 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 information

We understand that you would want multiple coverage against critical illnesses

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 information

Z Care. Sow the seeds of a resilient future

Z 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 information

Early Critical Care. confident

Early 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 information

When it s hard to get the help you need, we ll make it easy.

When 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 information

Give your Loved Ones the Assurance they deserve

Give your Loved Ones the Assurance they deserve The gift of love Give your Loved Ones the Assurance they deserve The greatest legacy you can leave behind is the complete assurance that your loved ones will be taken care of should any unforeseen event

More information

Extra Care Critical Illness Insurance Plan

Extra 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 information

Group 2: Critical Illness Benefits

Group 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 information

BUYING LIFE INSURANCE PRODUCTS DIRECTLY FROM INSURANCE COMPANIES WITHOUT COMMISSIONS

BUYING 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 information

When it s hard to get the help you need, we ll make it easy.

When 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 information

Consumers Can Now Compare Life Insurance Products Online and Buy Them Without Commissions

Consumers 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 information

Asteron Life Business Insurance

Asteron 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 information

Covers 60 major critical illnesses. Covers 11 minor critical illnesses. ManuMulti Care

Covers 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 information

Maintain your lifestyle even when the unexpected happens

Maintain 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 information

Asteron Life Personal Insurance

Asteron 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 information

Zurich Life Risk Trauma cover

Zurich 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 information

PRUmyhealth crisis lifelong care

PRUmyhealth crisis lifelong care PRUmyhealth Health Protection A limited-pay major disease insurance providing you with comprehensive medical protection and financial security An unexpected life-threatening disease can drain your energy

More information

Critical Care. Providing comfort whatever happens

Critical 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 information

This is what he does to pay for his father s cancer

This 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 information

Hundred Life Insurance Plan

Hundred 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 information

Critical illness conditions covered

Critical 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 information

SUPER CARE CRITICAL ILLNESS PROTECTOR

SUPER 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 information

1. This Notice is issued pursuant to section 64(2) of the Insurance Act (Cap. 142) ( the Act ).

1. 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 information

CRISIS COVER CLAIM FORM (DEAFNESS/ PARTIAL LOSS OF HEARING OR CAVERNOUS SINUS THROMBOSIS SURGERY/ COCHLEAR IMPLANT SURGERY) SECTION

CRISIS 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 information

Crisis Defender & Early Crisis Protector

Crisis 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 information

SUPPLEMENTARY 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 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 information

INSURANCE World of Protection Upgrade Announcement

INSURANCE 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 information

From AXA (Hong Kong)

From 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 information

LIFE BOLD SIMPLE DIFFERENT. A personal approach to life cover LIFE

LIFE 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 information

Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover

Policy 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 information

Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover

Policy 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 information

IKHLASlink Comprehensive Critical Illness Benefit Secure Takaful Rider

IKHLASlink 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 information

Accelerated Protection. Do I need Critical Illness insurance?

Accelerated 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 information

Product Disclosure Statement Version 11, Issued 21 May 2012. Life s better with the right partner AIA.COM.AU. Priority Protection

Product 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 information

SunHealth Critical Illness Care II With additional benefits from Multi Protection Benefit II

SunHealth Critical Illness Care II With additional benefits from Multi Protection Benefit II SunHealth Critical Illness Care II With additional benefits from Multi Protection II With comprehensive protection, life s brighter under the sun! SunHealth - Our New Total Healthcare Solution SunHealth

More information

REAL Trauma Cover. What is it?

REAL 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 information

Life 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 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 information

TM Legacy LifeFlex. Flexible whole of life plan to customise your protection cover. tokiomarine.com Life & Health Property & Casualty

TM Legacy LifeFlex. Flexible whole of life plan to customise your protection cover. tokiomarine.com Life & Health Property & Casualty TM Legacy LifeFlex Flexible whole of life plan to customise your protection cover Tokio Marine Life Insurance Singapore Ltd. tokiomarine.com Life & Health Property & Casualty Benefit Snapshot 1. Flexibility

More information

For customers Friends Life Individual Protection. Childcover benefit

For 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 information

Zurich Life Risk Zurich Protection Plus

Zurich 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 information

SIMPLY THE ESSENTIALS

SIMPLY 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 information

Progressive Care Insurance for life A NEW TYPE OF INSURANCE

Progressive 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 information

We 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. 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 information

Insurance 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 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 information

Sun Critical Illness Insurance

Sun 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 information

Protecting you and your world. Mortgage Protection. With Serious Illness Cover

Protecting 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 information

Asteron Life Personal Insurance

Asteron 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 information

AA Critical Illness with Life Cover Policy Summary

AA Critical Illness with Life Cover Policy Summary AA Critical Illness with Life Cover Policy Summary The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life and Pensions Limited, to give you important

More information

Life Protection Quotation

Life Protection Quotation Life Protection Quotation Prepared For: Date: 03/06/2013 Life Type: Single Life Quote Type: Specified Illness Cover Only QUOTATION DETAILS Male, 43 (01/Jan/1970), Non-Smoker, Specified Illness 124000 Monthly

More information

MLC Insurance MLC Insurance (Super) Product Disclosure Statement

MLC Insurance MLC Insurance (Super) Product Disclosure Statement MLC Insurance MLC Insurance (Super) Product Disclosure Statement Preparation date 25 May 2015 Issue no: 4 This PDS was prepared by MLC Limited ABN 90 000 000 402 AFSL 230694 Issuer of MLC Insurance and

More information

Taking care of tomorrow

Taking 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 information

Home Loans. Freehold Mortgage Protection

Home 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 information

now can protect their future

now 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 information

Freehold Mortgage Protection

Freehold 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 information

LifeProtect. 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 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 information

Overview. Business Protection Plan. Safeguard the future of your business.

Overview. 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 information

THE MARKET AT A GLANCE.

THE 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 information

Critical Illness with Term Assurance

Critical 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 information

Facing the challenges of CRITICAL ILLNESS

Facing 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 information

Term Assurance INVESTMENTS PENSIONS PROTECTION

Term 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 information

Key facts of AA Life Insurance with Critical Illness Cover

Key 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 information

Protecting your future MLC Life Cover Super MLC Personal Protection Portfolio

Protecting your future MLC Life Cover Super MLC Personal Protection Portfolio Protecting your future MLC Life Cover Super MLC Personal Protection Portfolio Product Disclosure Statement Life Cover Total & Permanent Disability Critical Illness Income Protection Business Expenses Premium

More information

For customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more.

For customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more. For customers Friends Life Individual Protection Critical Illness Cover Critical Illness Cover It s critical illness. And more. It s critical illness. And 2 it s designed with your needs in mind. it covers

More information

Professional Wealth LIFE

Professional 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 information

MLC Insurance and MLC Insurance (Super)

MLC Insurance and MLC Insurance (Super) Preparation date 25 May 2015 Issue no: 4 This PDS was prepared by and MLC Nominees Pty Limited MLC Limited ABN 93 002 814 959 ABN 90 000 000 402 AFSL 230694 AFSL 230702 RSE L0002998 Issuer of MLC Insurance

More information

Always by your side with whole-hearted protection

Always by your side with whole-hearted protection (ECP 2) Always by your side with whole-hearted protection Comprehensive Critical Illness Protection for your peace of mind 61 Critical illnesses and specified illnesses protection Life Insurance Savings

More information

CRACKING GOOD COVER. Protection Personal Menu. royallondon.com

CRACKING GOOD COVER. Protection Personal Menu. royallondon.com CRACKING GOOD COVER Protection Personal Menu royallondon.com WHAT S INSIDE A summary of our protection covers 4 Cover for you, your partner or both of you 5 Life Cover 6 Critical Illness Cover 7 The full

More information

Lifetime Protection Plan from Standard Life Protecting you and your family

Lifetime Protection Plan from Standard Life Protecting you and your family Lifetime Protection Plan from Standard Life Protecting you and your family Remember when you thought you were invincible 1 of 33 2 of 33 When was the last time you felt invincible? Contents The need for

More information

Insurance. Product Disclosure Statement. Life Insurance Superannuation Plan & Income Insurance Superannuation is closed. Document not up to date.

Insurance. Product Disclosure Statement. Life Insurance Superannuation Plan & Income Insurance Superannuation is closed. Document not up to date. Insurance Product Disclosure Statement Life Insurance Plan Trauma Insurance Plus Plan Trauma Insurance Plan Total and Permanent Disability Insurance Plan Activities of Daily Living Total and Permanent

More information

ARE YOU PREPARED FOR A SERIOUS ILLNESS? WHAT IS LIVING ASSURANCE? WHAT DOES IT OFFER ME?

ARE 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 information

Doctors of BC Critical Illness Insurance

Doctors 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 information

Optional Group Critical Illness. Financial support at a critical time

Optional 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 information

Key Features of Term Assurance with Critical Illness

Key Features of Term Assurance with Critical Illness Key Features of Term Assurance with Critical Illness Key Features of Term Assurance with Critical Illness The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give

More information

INSURANCE. Agribusiness Extra

INSURANCE. 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 information

Critical Illness Claims Report 2006

Critical 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 information

Critical 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

Critical 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 information

PERMANENT DISABILITY TOTAL AND COMPREHENSIVE CRITICAL ILLNESSES. PruBSN Employee Benefit & SUPPORT FINANCIAL ASSISTANCE INCOME REPLACEMENT

PERMANENT 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 information

Living Benefit Plans

Living 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 information

Key features of Skandia Protect

Key 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 information

FutureWise Product Disclosure Statement. Macquarie Life

FutureWise Product Disclosure Statement. Macquarie Life FutureWise Product Disclosure Statement Macquarie Life Product Disclosure Statement issued jointly by: Macquarie Life Limited ABN 56 003 963 773 AFSL 237 497 and Macquarie Investment Management Limited

More information

Critical Illness Insurance. Second Chance for Children 30 days to 17 years

Critical 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 information

Your critical illness protection plan

Your 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 information

Critical Illness Protection Rider Product Overview

Critical 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 information

For customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more.

For customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more. For customers Friends Life Individual Protection Critical Illness Cover Critical Illness Cover It s critical illness. And more. It s critical illness. And 2 it s designed with your needs in mind. it covers

More information

Life Goes On. Easy Defender Critical Illness Insurance Series (PMH034CE1404) Underwritten by. Appointed Insurance Agency

Life Goes On. Easy Defender Critical Illness Insurance Series (PMH034CE1404) Underwritten by. Appointed Insurance Agency Life Goes On Easy Defender Critical Illness Insurance Series (PMH034CE1404) Appointed Insurance Agency Underwritten by Easy Defender Critical Illness Insurance Plan 1 Easy Defender Critical Illness Insurance

More information

Your Policy Conditions

Your Policy Conditions Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life and Critical Illness Insurance Inside you ll find full details about Tesco Life Insurance. Key features of

More information

Child cover. Free. child cover offer inside

Child 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 information

MLC Personal Protection Portfolio

MLC Personal Protection Portfolio . Life Cover Total & Permanent Disability Critical Illness Income Protection Business Expenses Premium Waiver Preparation date 1 July 2016 Issue no: 9 This PDS was prepared by NULIS Nominees (Australia)

More information

Critical Illness Insurance. What is Critical Illness Insurance

Critical 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 information

Critical illness is best dealt with early

Critical illness is best dealt with early PRIME CARE PRO PROTECTION Critical illness is best dealt with early 93 Critical Illnesses and specified illnesses protection Life Insurance Savings Comprehensive and unique protection for Early Stage Critical

More information

A Guide to Critical Illness Insurance

A Guide to Critical Illness Insurance A Guide to Critical Illness Insurance This guide about Critical Illness cover is designed to help you decide if this is a suitable product for you. It aims to help by answering the following questions:

More information

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Simply Smarter Life Insurance Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Budget Direct Life Insurance and Budget Direct Accidental Death Insurance

More information

Vista. Additional benefits

Vista. Additional benefits Vista Additional benefits By choosing to invest with Vista, you are planning to help ensure that you and your family will be able to afford a comfortable retirement, a holiday of a lifetime, a good education

More information

Your Policy Conditions

Your Policy Conditions Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life and Critical Illness Insurance Inside you ll find full details about Tesco Life Insurance. Key features of

More information

Key Features of Mortgage Life Insurance

Key Features of Mortgage Life Insurance Key Features of Mortgage Life Insurance Key Features of Mortgage Life Insurance The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give you this important information

More information

Key Features of Mortgage Life Insurance

Key Features of Mortgage Life Insurance Key Features of Mortgage Life Insurance Improvements to our critical illness cover We are pleased to tell you that we ve added to our critical illness cover. The plan now includes improved critical illness

More information

Life Insurance Accelerated Protection Policy Document 24 October 2011

Life Insurance Accelerated Protection Policy Document 24 October 2011 Life Insurance Accelerated Protection Policy Document 24 October 2011 TAL Life Limited ABN 70 050 109 450 AFSL 237 848 TAL Superannuation Limited ABN 69 003 059 407 AFSL 237 851 TAL Superannuation and

More information