Critical Illness plan types
We offer four Critical Illness plans:
Term 10
- Includes guaranteed premiums, which increase every 10 years
- Renewable to age 75, convertible to age 65
- Terminates at age 75, without policy values
- Convertible to a permanent Critical Illness product at any time up to age 65, while the policy is in-force
- Available as a stand-alone policy and as a Term Rider and Spousal Rider to base Critical Illness policies
Term to 75
- Level premiums guaranteed to age 75
- Terminates at age 75, without policy values
- No conversion feature
- Available as a stand-alone policy and as a Term Rider and Spousal Rider to base Critical Illness policies
Term to 75 with Return of Premium at Expiry (ROPE)
- Level premiums guaranteed to age 75
- Terminates at age 75
- No conversion feature
- The Return of Premium Benefit at Expiry is payable, if the policy is in-force on the policy anniversary following the Insured's 75th birthday
- Available as a stand-alone policy only
Life to 100
- Permanent critical illness protection
- Level premiums guaranteed to age 100
- The policy becomes paid-up at age 100
- Available as a stand-alone policy only
