Critical Illness Coverage with No Medical

Premium: $25,000.00 for $29.80/month

Amount of Coverage: Guaranteed Issue Coverage is $25,000.00

This product is renewed annually on April 1st of each year. Rates are not guaranteed. If there is a change in premium, it will change for all insured.

Medical: No Medical Required

Pre-existing Condition:

the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care or treatment within a twenty-four (24) month period preceding the Insured Person’s effective date of coverage, or
an illness or condition for which the Insured Person, during twenty-four (24) months prior to the effective date of his coverage incurred medical expenses, received medical treatment, took prescribed drugs or medicine or consulted a physician.

Exclusions:

The Principal Sum will not be paid if a Critical Illness results directly or indirectly from any one or more of the following causes:

Within ninety (90) days following the effective date of the Insured Person’s coverage

Diagnosis of Cancer is made, or

any symptoms or medical problems commenced and initiated investigations leading to the subsequent Diagnosis of Cancer.

An intentionally self-inflicted injury or sickness, whether the Insured Person is sane or insane.
The use of illicit drugs other than as prescribed and administered by or in accordance with the instruction of a legally licensed medical practitioner.
From a Pre-Existing Condition except if such Critical Illness is diagnosed twenty-four (24) months after the Insured Person’s effective date of coverage.

Up to $250,000 Optional Accidental Death Coverage Now Available for You and Your Family that includes:

Education Benefit
Day-Care Benefit
Rehabilitation Benefit
Workplace Modification and Accommodation Benefit
Occupational Training Benefit
Family Transportation Benefit
Common Disaster Benefit
Seat Belt Benefit
Home Alteration and/ or Vehicle Modification Benefit
Hospital Indemnity
Aircraft Coverage