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