Which Insurance is Right for You?

Life Insurance?

Disability Insurance?

Critical Illness Insurance?

Life Insurance?

Disability Insurance?

Critical Illness Insurance?

For ALL quotes referenced below:

Rates are based on your age (6 months closest to your next birthday), smoking status, health history, height/weight, Lifestyle (ie…dangerous sports and bankruptcy) and family history.

Life Insurance

• Coverage to protect your loved ones should something happen to you prematurely. Proceeds normally used to pay off debt or replace income.

• Pays out a lump sum to your named beneficiary when you pass away tax free.

Disability Insurance (DI)

• Designed to replace your income if you suffer an injury or illness and cannot work.

• Rates are based on all of the above information plus Proof of Income and Occupation class.

• Waiting Periods (ie. 30/60/90 days) Payout Periods (2 and 5 year and To Age 65)

Critical Illness Insurance (CI)

• Designed to help you focus on recovery after a major illness and help with the additional costs associated with living with an illness.

• Rates are based on all of the above and heavily on your family history.

• Provides access to “Best Doctors”- 2^nd opinion ………….specialists vs generalists

• Pays out a lump sum of your coverage amount 30 days after diagnosis of one of these covered illnesses:

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