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The Lifecheque Basic Critical Illness plan from Manulife

With advances in medical care, more and more people are surviving heart attacks, strokes and cancer. The simple, affordable protection offered by the Lifecheque® Basic Critical Illness Plan provides financial security in the event that one of five covered illnesses or conditions is diagnosed.

We may not be able to predict our future, but we can be prepared for it. The Lifecheque Basic Critical Illness plan covers five of the most common critical illnesses and conditions: cancer, heart attack stroke, coronary artery bypass surgery or aortic surgery.

Canadian residents between the ages of 18 and 65 years are eligible to apply for Lifecheque Basic Critical Illness Insurance.

• You can choose from $25,000, $50,000 or $75,000 coverage.

• The $25,000, $50,000 or $75,000 benefit is paid directly to your client, to spend however they wish – such as to pay medical expenses, retrofit their home, alleviate debt, or travel.

Applying is easy – no medical questionnaire is required. A declaration of good health is all that is needed.

• Premiums are based on your client’s age, gender and smoking status. The younger they are when they apply, the lower their premiums will be. Non-smokers enjoy premium savings with rates up to 50% lower than those for smokers.

• Health Service Navigator® – With Health Service Navigator, your client and their eligible family members can quickly and easily get answers to questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, Health Service Navigator can provide information, medical coordination services and resources on how to navigate the Canadian health care system. Health Service Navigator will also help get a second opinion from a world-class hospital.

• Return of Premium Option – If your client is between 18 and 55 years of age, they can add this option at the time of initial application. Manulife will reimburse the premiums paid, up to 100% of their benefit amount, if they reach their 75th birthday without making a claim. This means that, depending on the coverage your client selected, they could receive up to $25,000, $50,000 or $75,000.

• Once covered, you can keep the Lifecheque Basic Critical Illness coverage up to age 75, regardless of any changes in their health or occupation.

Lifecheque Basic Critical Illness Insurance.  Is It Right For You?
Before you apply for Lifecheque Basic Critical Illness Insurance, please answer the following to determine whether you qualify for this coverage.
  1. Have you ever been diagnosed with, had any signs and/or symptoms of, or had any medical consultations and/or abnormal tests for the following disorders?
    • Cancer
    • Intracranial Tumour
    • Heart Disease (including but not limited to Angina and Heart Attack)
    • Stroke
    • Transient Ischemic Attack (TIA)
    • Peripheral Vascular Disease
    • Diabetes
    • Hepatitis, including Hepatitis Carrier State
    • Chronic Kidney Disease
    • AIDS or HIV
    Yes  No
  2. Have you ever had Coronary Artery Bypass surgery and/or Aortic surgery?
    Yes  No
  3. Have you undergone any medical or diagnostic tests for which you are currently awaiting results or have you been advised by a doctor or specialist to undergo any medical or diagnostic tests which have not yet been completed?
    Yes  No
  4. During the past 5 years, have you had any signs and/or symptoms of, received treatment for, or been advised to seek treatment regarding Drug Abuse and/or Alcoholism?
    Yes  No


Source Manulife

MSI - Mario Schwarzenberg Insurance Services Inc. As a broker with 29 years of experience in selling insurance, paying claims and access to all major insurance companies, I can offer a variety of plans at the most competitive rates. Mario Schwarzenberg - Owner/Broker "Thinking insurance ... think Mario" "ZOOMwithMario insurance review" "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