Simplified issue non-medical insurance
Did YOU or someone you know been declined – rated – or modified for Life or Critical Illness insurance due to health condition? Diabetes, Cholesterol and or High Blood Pressure? If the answer is YES, I have solutions immediately!
Total Protection – Insurance for Total peace of mind
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Product features
- Permanent Life Insurance coverage
- Issue ages 18 to 80
- $5,000 to $30,000 with only 3 medical questions
- Up to $50,000 with an additional 4 medical questions
- Online application approved within 24 hours
- Death occurring due to natural causes within the first two years (premiums refunded in full with interest rate of 3%)
- Accidental Death Benefit included for the first two (2) years up to age 70
- Living Benefit of 50% of face value after 24 months (included)
- Transportation Benefit up to $2000 (included)
- No medical exam required
- Guaranteed level premiums
- Guaranteed level death benefit
- Cash Values and Paid up values (included)
- Premiums are payable to age 100
Golden Protection – Insurance for Total peace of mind
Product features
- Permanent Life insurance coverage
- No Medical exam, No APS
- Issue ages 40 to 80
- Policy from $1,000 to $30,000
- Full coverage as soon as the policy is issued usually within 48 hrs
- Premiums will never increase
- Insurance remains level
- Competitive rates for smokers and non smokers
- Premiums are payable to age 100
- Insurance amount doubles in case of accidental death
- Insurance amount triples in case of accidental death in a public transportation vehicle
- Guaranteed Cash Values
- Guaranteed adjusted paid-up values
- Reduced policy fee for spouse
- Issued with limited proof of insurability
- 5 Insurability questions
Golden Protection Plus – Insurance for Total peace of mind
- Same competitive benefits as Golden Protection.
- Insurance coverage increases annually by 3% of the original amount.
- The insurance amount will not exceed double the original amount.
- The increase stops at age 100, even if the insurance coverage has not reached double the original amount.
- Premiums are 25% higher than Golden Protection.
You can have…
Golden Protection Plus and Golden Protection
The maximum issue for each policy is limited to a maximum of $30,000
However… You can buy both Golden Protection and Golden Protection Plus
But Only Up to a Maximum of $ 50,000 can be purchased in total.
Example $30,000 of G.P. and $20,000 G.P.+
Critical Protection – Critical Illness Insurance
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- No Medical Exam
- No Family History questions
- No APS Necessary
Main Features
- Critical illness insurance to age 75.
- Simplified issue process – no medical exam.
- No questions on family medical history.
- Online application only
- Issue ages: 18 to 60 years old
- Amounts of coverage available
- Premium guaranteed for first two years
- ROP on death included
- ROP on Maturity Available
- AD&D included to Age 70
Covered Illnesses
- Cerebrovascular accident (stroke)
Myocardial infarction (heart attack)
- Kidney failure
- Major organ transplant
- Cancer (except the following)
- Early prostrate cancer (T1N0M0 or equivalent staging)
- Pre-malignant lesions, benign tumours or polyps
- Any tumour in the presence of any HIV
- Any skin cancer other than invasive malignant melanoma into the dermis or lodged in the deeper area of the dermis, at more than 1.0mm
- Non invasive cancer in situ
- Standard first 90 Days Exclusion
Qualifying Questions
- In the past two years, have you had any application for life? Disability or Critical Illness insurance declined, postponed, cancelled, rescinded, rated or modified, for medical reason?
- Within the past ten years have you had any abnormal diagnostic test results, including mammograms, Pap tests or abnormal PSA test for prostate cancer?
- Within the past ten years have you consulted any physician, received treatment or advice, or been prescribed medication, by any physician:
for tumor, polyps, chest pain, palpitations, CVA (cerebro-vascular accident/stroke), TIA (transient ischemic attacks), diabetes, kidney disease, hepatitis, or for any disorder of the liver or colon, AIDS or a positive HIV test, angina or heart attack?
- Are you aware of any symptoms or complaints regarding your health for which you have not yet consulted a physician or received treatment?
- Have you been advised to have further examination, diagnostic testing, treatment or surgery that has not yet been scheduled or completed?
- In the past five years, have you used any narcotics, cocaine or other illegal drugs?
- Does your weight exceed the weight corresponding to your height in the table?
Ideal individual for these products
- Maybe YOU!
- Existing clients not able to get additional standard coverage
- People with health conditions (Ex: diabetes and/or high blood pressure)
- Declined for conventional coverage
- Highly rated cases (Compare the cost!)
Note all the above products; the policy is usually approved in 48 to 72 hours.
For your personal and confidential needs assessment please contact; Maria Xavier at; mxavier@mariaxavier.com or mxavier@versatilefinancial.com.