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IA Excellence's Accxel is a comprehensive insurance product that offers customized coverages against accident and illness to better meet your specific needs

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Accxel Disability Insurance

Eligibility
Accxel is unique because it was created for individuals aged up to 79 years, depending on the coverages selected, whatever their occupation.
Customized coverages
Accxel offers a broad choice of coverages for you and your family:
Disability Insurance in the Event of Accident or Illness:
  • Protection in the event of total disability
  • Payment of monthly benefits ranging from $300 to $3,000
  • A benefit period of 1 year, 2 years, 5 years or up to age 65
  • A waiting period of 1 day, 14 days, 30 days or 60 days
  • Waiver of Premiums: releases the policyholder from his or her obligation to pay insurance premiums
  • Return of Disability Insurance premiums at ages 55, 60 or 65, you will be refunded 50% of all premiums paid under the Disability Insurance coverage, including the portion applicable to the Return of Premiums benefit, less any claims paid under the Disability Insurance coverage
  • Organ Donation Benefit: any disability resulting from organ donation is eligible for a period of disability
  • Death Benefit: an additional amount paid to the Insured's estate when his or her death results from disability
Overhead Expense Insurance:
  • Protection in the event of total disability
  • Payment of a monthly benefit ranging from $300 to $3,000
  • A benefit period of 2 years
  • A waiting period of 30 days or 30 days +
  • A waiver of premiums that releases the policyholder from his or her obligation to pay insurance premiums
Accidental Death, Dismemberment or Loss of Use (AD&D):
  • A sum insured ranging from $25,000 to $200,000
  • As an option, a $5,000 sum insured for dependent children
Accidental Fracture and Extended Medical Care Further to an Accident:
  • Coverage against accidental fracture from $5,000 to $10,000)
  • Full reimbursement of extended medical care following an accident, without deductible when such care is provided in Canada
Hospital Benefit:
  • Payment of a daily benefit ranging from $20 to $140 in the event of hospitalization due to accident or illness as from the first day of hospitalization
  • Refitting Following an Accident for your car, or your primary residence.
Benefits
Accxel
offers:
  • Guaranteed renewal
  • Level premiums based on age at the time of purchase
  • The possibility of disability coverage for individuals without remunerative work
  • Comprehensive coverage for the entire family
  • Customized insurance coverages to suit your needs
Click here for more information on IA Excellence's Accxel insurance and other products designed to be Easy Issue or Guaranteed Issue.
 


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