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No Medical Simplified Critical Illness

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The Non-Medical Simplified Critical Illness plan provides coverage in case you are diagnosed with a specified critical illness. This coverage was designed to provide critical illness insurance to those who would have difficulty qualifying for a traditional critical illness policy. You can renew your policy without any additional medical information for additional 10-year periods. This plan is renewable to age 75. It can be purchased by those 20 to 55.

To qualify for coverage, you only need to answer 'no' to some simple health questions. There are no other medical requirements. Benefits are payable to you as a one-time, lump sum payment if you are diagnosed with one of the covered critical illnesses or have undergone a covered procedure. Covered critical illnesses are;

  • Heart attack
  • Cancer (life-threatening only)
  • Stroke
  • Paralysis
  • Kidney failure
  • Major organ failure and on a transplant waiting list

Standard Benefits
Coverage amounts can range from $10,000 to $100,000.

Intensive Care Benefit
Regardless of your cause of death, if you do not qualify for a claim on your policy, your beneficiary receives a refund of all paid premiums (without interest). This benefit is included at no extra cost.

Optional Features
Indexing Option
This option will automatically increase your coverage by 5% each year, beginning with the second policy year, to a maximum of 150% of your initial coverage amount. You can cancel the Indexing option at any time with written instructions. Once cancelled, the Indexing feature cannot be restarted.

Disability Waiver
With this benefit, if you become completely and continuously disabled for more than 6 months, your premiums will be paid until you are no longer completely disabled. This benefit ends when you turn 65. This option is available for those 20 to 55.

Return Of Premiums at Age 75
Once you turn 75, if your premiums are up-to-date and you have not made a claim on your policy, all of your base premium payments will be returned to you (without interest).

Medical Requirements
You only need to answer 4 medical questions when you apply for this plan. You may still qualify for coverage even if you answer 'yes' to a medical question. The insurance company will review your application, so we suggest that you still submit your application even if you answer 'yes' to a medical question.

Claim Requirements
To receive your critical illness benefit, you must survive at least 14 days after you have been diagnosed with a critical illness. If you do not survive the minimum 14-day period, your beneficiary receives a refund of all base premiums based (without interest).

Premium payments may be made annually, semi-annually, or monthly through automatic banking. Premium rates for all policy holders may increase from time to time; however, your premiums will never increase by more than 25% of your policy's rate schedule. There is no annual policy fee.


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