Author: Kevin Slater |

Having a plan  in case the unexpected occurs is very important. If you experience a critical illness, a one-time tax free lump sum cash payment is payable to you after living for 30 days from date of diagnoses and can help you:   

  • Cover medical expenses not covered by government or workplace plans 
  • Afford alternative treatments 
  • Pay bills & lifestyle expenses 
  • Concentrate on recovery instead of worrying about finances 
  • Avoid dipping into retirement savings, setting your retirement plans back 
  • Allow spouse to take time off to help you through the illness 
  • Bucket list items when faced with a shortened life-span   

Covered Illnesses

Basic Plan - Heart attack, Cancer Stroke   

Enhanced Plan - Heart Attack, Cancer, Stroke, acquired brain injury

  • Aortic surgery
  • Aplastic anaemia
  • Bacterial meningitis
  • Benign brain tumour
  • Blindness
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Dementia, including Alzheimer’s disease
  • Heart valve replacement
  • Kidney failure
  • Loss of limbs
  • Loss of speech
  • Major organ failure on  waiting list
  • Major organ transplant
  • Motor neuron disease
  • Multiple sclerosis
  • Occupational HIV infection
  • Paralysis
  • Parkinson's disease and specified atypical parkinsonian disorders
  • Severe burns   

Loss of independent existence - can be added to enhanced plan for an extra cost.   

  • 10 year term, to age 65, to age 75 to age 100 
  • Return of premium riders available 


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