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MSI - Mario Schwarzenberg Insurance Services Inc.

Critical Illness Protection

Make sure you are covered in case of a serious illness.
Good News! You’re immediately approved for up to $50,000 of Critical Illness (CI) coverage with The Edge Benefits. There are no medical requirements or questions asked
and the coverage is Guaranteed to Issue. Adding Critical Illness Protection is easy and quick.

Critical Illness Protection – Instant Quote and Application. 

What Do You Need To Do? Get Educated on the Risks.
The top 3 illness-related disabilities faced by working-age Canadians are Heart Attack, Stroke, and Cancer. The odds of experiencing one of these disabilities are significant enough, but unfortunately, there are also many more conditions that could have a significant impact on your life. View the Stats →

Understand How a Critical Illness Policy Can Protect You. The EDGE Critical Illness protection provides a tax-free lump sum amount to help you and your family continue to make ends meet, should you suffer any of 23 Covered Conditions. See What EDGE CI Covers

Understand the Costs. Sure, there is a cost to protecting yourself against these risks, but the cost of doing nothing is far greater. Critical Illness protection is much more affordable than most may think. For example, the premium for a 40-year-old would only be about $3.00 a day for $50,000 of Critical Illness coverage. 

Get Covered Now. Follow the link below to submit an electronic application for EDGE’s Guaranteed Issue Critical Illness protection. Within just a few minutes, you’ll have the peace of mind knowing that you have the industry’s highest amount of guaranteed illness coverage from a company you can rely on when you need it most.

Get EDGE Critical Illness Protection – Apply Now

Q&A

Q. If the client had a covered condition diagnosed before the effective date, will it be covered in the future?

A.         Covered conditions diagnosed before the effective date of coverage will not be eligible at any time in the future (with the exception of cancer/cancer recurrence, heart attack and/or stroke – subject to the 24 month pre-existing condition period).

Q. My prospective client had a heart attack 6 months ago. If he buys the guaranteed to issue CI, will he be covered for the covered condition “heart attack”?

A.         The previous heart attack would be considered a pre-existing medical condition, so if that condition leads to a covered condition in the first 24 months – then it would not be eligible. After 24 months, if he had another heart attack or it leads to another covered condition, that condition would be eligible.

Q. Can the insured person claim under multiple conditions?

A.         Yes. If the insured purchases Critical Illness and is diagnosed with cancer after 90 days, the claim would be paid (1st claim). If cancer goes into remission and the insured remains on the plan, but after 5 years the same type of cancer comes back, a second claim would be paid, not under the second event benefit, but under the “Cancer Recurrence” benefit (2nd claim). If the insured recovers again, remains on the plan, and then has a heart attack, another full claim would be paid under the Second Event Benefit (3rd claim). 

Q. What happens if the client is diagnosed with a second condition while still recovering from the first condition?

A.         No eligible claim has occurred as the client hasn’t fully recovered from the first condition. They would have to finish receiving active treatment for the first condition and have their treating physician deem them as fully recovered before they would be eligible to claim under the Second Event Benefit provision.

Q.  The insured had cancer over 2 years before the effective date of the policy and was then diagnosed with the same type of Cancer over 5 years later. Is it eligible?

A.         If it is a Recurring Cancer – Yes, if treatment free for 5 years, it would be eligible under the “Cancer Recurrence” benefit. If it is a New Cancer – Yes, after the 90-day cancer exclusion period, it would be eligible under the “Cancer” benefit.

Q.  The insured was diagnosed with cancer and makes an eligible claim, then submits a 2nd cancer claim after being diagnosed with cancer a 2nd time, 5 years later. Is it eligible?

A.         If it is a Recurring Cancer – Yes, if treatment free for 5 years, it would be eligible under the “Cancer Recurrence” benefit. If it is a New Cancer – No, the client has already been paid for 1 claim under the “Cancer” Benefit category. The client would be eligible to claim under any other eligible condition for the Second Event Benefit.

Call or click here to request contact for more information.

E&OE

Source: The EDGE Benefits

MSI - Mario Schwarzenberg Insurance Services Inc. As a broker with 26 years experience in selling insurance, paying claims and access to all major insurance companies, I can offer a variety of plans at most competitive rates. Mario Schwarzenberg - Owner/Broker "Thinking insurance ... think Mario" "Your Insurance Man in the Pink Shirt" www.MarioInsurance.com/Services Life insurance, Critical Illness, Mortgage Insurance, Disability Insurance, Dental Medical, Buy-Sell, Key Person, Partners Insurance