Your health is an asset. Don t let critical illness turn it into a liability.
|
|
- Norah Woods
- 8 years ago
- Views:
Transcription
1 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 the expenses that come with critical illnesses, from day one 2.
2 It is never too early to be prepared We live in a world where good health can t be taken for granted. Critical illness can happen to anyone, at anytime Every day, 37 people in Singapore are diagnosed with cancer 3 Cancer cases have jumped by about 17% since The number of stroke patients aged 30 to 34 in Singapore grew by 58% from 2005 to
3 What are you doing to protect yourself? With today s medical advancements, early diagnosis of illness is possible. There s good evidence that treatment of critical illnesses at the early stages can improve your chances of recovery. Yet according to our survey, 61% of Singaporeans are not confident of their financial security if diagnosed with a serious illness such as cancer 6. 53% of Singaporeans don t have any form of critical illness protection 7. This means that they ll be left to grapple with not only the emotional stress of coping with critical illness but also the financial burden that comes with it. So, it s important to ensure that you have the financial freedom to seek the best treatment right from the beginning and not having to worry about the loss of income, mounting debts, other financial priorities such as children s education fees and your own long-term care expenses. That s why having immediate financial payout upon diagnosis of critical illness during the early or intermediate stage could make all the difference for you and your loved ones.
4 Introducing My Early Critical Illness Plan There s nothing more important than your health. From the early and intermediate stages of critical illness 1, we re here to help you manage the financial expenses that come with it so you can focus on treatment and recovery. My Early Critical Illness Plan provides you with an upfront, lump sum payout upon diagnosis 2 so that you are financially prepared for the expenses that will come. It s the peace of mind that you deserve. Key benefits at a glance Get 100% upfront lump sum payout of up to $200,000 for any one of the covered Critical Illnesses 1 at the early, intermediate or severe stage Get Special Benefit - an additional payout of 20% of the Critical Illness Benefit sum assured for selected medical conditions 8 without compromising the Critical Illness Benefit or Death Benefit Claim up to 6 times for different medical conditions covered under Special Benefit 8 Receive coverage up to age 99 9 Death Benefit of $5, Premium rates remain the same throughout the policy term 11
5 Coverage Payout in lump sum If Sum Assured is $200,000 Special Benefit for 18 Medical Conditions Early / Intermediate / Severe stage for 51 Critical Illnesses 20% of Sum Assured (capped at $25,000) + $25,000* 100% Sum Assured $200,000 Total Coverage: $225, *Special Benefit allows claim up to 6X for different conditions
6 Be financially prepared for these Critical Illnesses Cancer and carcinoma in-situ 2. Heart Attack of Specified Severity* 3. Cardiomyopathy 4. Specified Surgical Procedures of the Cardiovascular System 5. Stroke* 6. Specified Surgical Procedures of Central Nervous System 7. Coronary Artery By-pass Surgery and other specified cardiac procedures 8. Nephrectomy 9. Kidney Failure or Chronic Kidney Disease 10. Aplastic Anaemia* 11. Reversible Aplastic Anaemia 12. Blindness (Loss of Sight) 13. Severe Asthma 14. Surgical Removal of One Lung 15. End Stage Lung Disease* 16. End Stage Liver Failure* 17. Liver surgery 18. Liver Cirrhosis 19. Coma 20. Severe Epilepsy 21. Deafness (Loss of Hearing)* 22. Partial loss of hearing 23. Cochlear implant Surgery 24. Heart Valve Surgery 25. Loss of Speech* 26. Loss of Speech due to neurological disease 27. Major & Mild Burns 28. Major Organ / Bone Marrow Transplantation 29. Multiple Sclerosis 30. Muscular Dystrophy 31. Viral Encephalitis 32. Parkinson s Disease 33. Surgery to Aorta 34. Alzheimer s Disease / Dementia 35. Motor Neurone Disease 36. Pulmonary Hypertension 37. HIV due to Blood Transfusion, Assault, Organ Transplant & Occupationally Acquired HIV 38. Benign Brain Tumor* 39. Bacterial Meningitis 40. Facial Re-constructive Surgery 41. Spinal Cord Injury 42. Major Head Trauma* 43. Systemic Lupus Erythematosus with Lupus Nephritis* 44. Paralysis (Loss of Use of Limbs)* 45. Terminal Illness* 46. Progressive Scleroderma 47. Apallic Syndrome* 48. Other Serious Coronary Artery Disease* 49. Poliomyelitis* 50. Loss of Independent Existence* 51. Fulminant Viral Hepatitis * Severe-stage Critical Illnesses (Version 2014) as defined by the Life Insurance Association Singapore (LIA). Please refer to the LIA website ( for more information. The definitions of the Critical Illnesses are available in the Product Summary.
7 Special Benefit 14 under My Early Critical Illness Plan In addition to the Critical Illness Benefit, My Early Critical Illness Plan includes Special Benefit 14 to protect you against other medical conditions. Special Benefit 14 can be claimed up to six times without reducing your Critical Illness Benefit or Death Benefit. Here s the list of medical conditions covered under Special Benefit Diabetic Complications 2. Angioplasty & Other Invasive Treatment for Coronary Artery 3. Osteoporosis with Fractures 4. Severe Rheumatoid Arthritis 5. Mastectomy 6. Chronic Adrenal Insufficiency (Addison s Disease) 7. Chronic Relapsing Pancreatitis 8. Hysterectomy due to Cancer 9. Dengue Haemorrhagic Fever 10. Wilson s Disease 11. Severe Juvenile Rheumatoid Arthritis (Stills Disease) 12. Severe Haemophilia 13. Rheumatic Fever with Valvular Impairment 14. Osteogenesis Imperfecta 15. Insulin Dependent Diabetes Mellitus 16. Kawasaki Disease 17. Glomerulonephritis with Nephrotic Syndrome 18. Type I Juvenile Spinal Amyotrophy The coverage of the above conditions (1) to (10) will be up to a maximum age of 85. The coverage of the above conditions (11) to (18) will be up to a maximum age of 18.
8 How does My Early Critical Illness Plan work? John Chan is 35 years old, married and working as an IT analyst in Singapore. Having recently welcomed his second child, John started to think about his future and what would happen to him, and his family, if he were to fall seriously ill. Given the rising medical costs as well as the growing number of critical illness cases in Singapore, John decided to get My Early Critical Illness Plan to protect him and his family. He receives $25,000 as a Special Benefit payout under My Early Critical Illness Plan. He receives a lump sum payout of $200,000 and his policy will end after he receives the lump sum payout. Age 35 Age 45 Age 50 John decides to protect himself with My Early Critical Illness Plan at a Sum Assured of $200,000 for $ per month. He suffers from Diabetic Complications He is diagnosed with Prostate Cancer
9 Want to know how this could apply to you? Speak with your Financial Adviser or visit to find out more.
10 Footnotes 1 Please refer to Product Summary for the complete list of covered Critical Illnesses at the early, intermediate or severe stage and Special Benefit covered in this plan. Please note that the maximum limit of Sum Assured for early critical illness cover per life is $200,000 in Singapore currency. 2 No benefit shall be payable if Critical Illness or condition is diagnosed within the Waiting Period of 90 days from the Policy Issue Date, the Benefit Commencement Date and the Reinstatement Date of the policy. The Life Assured must survive a period of 7 days after the date of the diagnosis of the Critical Illness or condition for Special Benefit before it is payable. For more details, please refer to the Product Summary. 3 Source: Cancer is the Number 1 Killer in Singapore, Singapore Cancer Statistics, 1 Sep Source: Sharp rise in number diagnosed with cancer, The Straits Times, 21 Jun Source: Trends in stroke in Singapore , Stroke Registry Report no. 4, Ministry of Health final.pdf?sfvrsn=0 6,7 Based on survey findings from Aviva s Consumer Attitudes to Saving, March An additional 20% of the Critical Illness Benefit sum assured (capped at $25,000 per life per condition) is payable to the Life Assured if he or she is diagnosed with any of the conditions listed. Each condition can only be paid once and up to a maximum of 6 claims for different conditions stated under the Special Benefit covered conditions. 9 Policy Term is from 10 years and up to 99 age next birthday (ANB). 10 Death Benefit of $5,000 will be paid in the respective contract currency. Please refer to Product Summary for details. 11 Premium rates are level and non-guaranteed. Aviva reserve the right to revise the rate based on future experiences. 12 Coverage of $225,000 consists of the Critical Illness Benefit and one-time claim for Special Benefit capped at $25, Please refer to Product Summary for more details of the critical illnesses covered under Critical Illness Benefit.
11 14 Please refer to Product Summary for more details of the conditions covered under Special Benefit. 15 Based on monthly rate for sum assured of $200,000 for a 30-year policy term, male, non-smoker, 35 age next birthday (ANB), residing in Singapore. All values illustrated are in Singapore currency. Important Notes The policy is underwritten by Aviva Ltd. This brochure is published for general information only and does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. A copy of the Product Summary may be obtained from Aviva Ltd and the participating distributor s offices. You should read the Product Summary before deciding whether to purchase the policy. You may wish to seek advice from a financial adviser, before making a commitment to purchase the product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you. This brochure is not a contract of insurance. Full details of the standard terms and conditions of this plan can be found in the relevant policy contract. Buying a life insurance product, including a direct purchase product, is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable, if any, may be less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. This is not a contact of insurance. Full details of the standard terms and conditions of the plan can be found in the relevant policy contract. Information is accurate as at Oct 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 coverage, where applicable, please contact us or the Life Insurance Association Singapore or SDIC website ( or
12 Aviva Ltd 4 Shenton Way #01-01, SGX Centre 2, Singapore Tel: Company Reg. No.: K GST Reg. No.: MR Aviva_My EarlyCriticalIllness_A5_v1.0_Oct2015
Care 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 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 informationWe 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 informationSunHealth 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 informationPRUmyhealth 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 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 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 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 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 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 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 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 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 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 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 informationAlways 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 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 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 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 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 informationTM 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 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 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 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 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 informationLife 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 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 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 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 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 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 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 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 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 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 informationAA 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 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 informationProtecting 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 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 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 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 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 informationLife 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 informationAlways by your side with constant protection
MULTIPLE CARE PRO 2 (MCP 2) Always by your side with constant protection Multiple Critical Illness Claims up to 5 times compensation 61 Critical illnesses and specified illnesses protection Life Insurance
More informationCRACKING 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 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 informationFor 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 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 informationMLC 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 informationCritical 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 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 informationMLC 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 informationCombined Life & Critical Illness Protection Guaranteed Premiums. Policy Summary
Combined Life & Critical Illness Protection Guaranteed Premiums Policy Summary Combined Life & Critical Illness Protection Guaranteed Premiums Policy Summary In this summary, we try to help you by giving
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 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 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 informationKey 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 informationMLC 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 informationFor 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 informationYour 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 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 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 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 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 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 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 informationGETTING EVERYTHING IN SHAPE. A Guide to Mortgage Protection Cover. Mortgage Protection Cover
GETTING EVERYTHING IN SHAPE A Guide to Mortgage Protection Cover Mortgage Protection Cover INTRODUCING ROYAL LONDON Ever since we started as a Friendly Society over 150 years ago, at Royal London we ve
More informationYour 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 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 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 informationCOVER WHEN YOU NEED IT MOST. A Guide to Specified Serious Illness Cover. Specified Serious Illness Cover
COVER WHEN YOU NEED IT MOST A Guide to Specified Serious Illness Cover Specified Serious Illness Cover INTRODUCING ROYAL LONDON Ever since we started as a Friendly Society over 150 years ago, at Royal
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 informationLifetime 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 informationtraditional life healthvital major illness insurance
traditional life healthvital major illness insurance 3 combinations of major illness coverages to suit your needs Major Illness Insurance ( or basic plan ) and its 2 supplements bring you an extensive
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 informationClosed Sub-TOI: L08.000 Life - Other Co Tr Num: BANRD-01 State Status: Approved-Closed
Project Name/Number: / 01 Filing at a Glance Company: Banner Life Insurance Company SERFF Tr Num: FNBL-126416557 State: Arkansas TOI: L08 Life - Other SERFF Status: Closed-Approved- State Tr Num: 44441
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 informationFutureWise 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 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. Policy Summary
Critical Illness Policy Summary This summary gives you an overview of our Critical Illness product. For full details, including all the terms and conditions, please read the LV= Critical Illness Policy
More informationMLC Insurance. How to get back on track. MLC Critical Illness insurance. Now with the unique medical advice service by Best Doctors
MLC Insurance How to get back on track MLC Critical Illness insurance. Now with the unique medical advice service by Best Doctors Around half of all Australians aged over 30 will suffer at least one of
More informationLife 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