10/20/2013
If you can answer "no" to these questions you can obtain up to $100,000 of critical illness insurance that covers you to age 75 and provides a full refund of premiums paid if: 1) You die from something other than a critical illness 2) If you never experience a claim and the coverage was not required.
Here are the qualifying questions:
Within the last two years, have you had an application
for individual life insurance or critical illness insurance
rated, declined, postponed or had exclusions added by
any company?
Have you ever been treated for, diagnosed, consulted
a doctor, received abnormal test results or experienced
symptoms of the following:
-Heart attack, congenital cardiac defects, angina,
angioplasty, coronary artery bypass, congestive
heart failure, stroke, transient ischemic attack (TIA),
arteriosclerosis or any other cerebrovascular disease
or disease of the heart or the blood vessels, or an
abnormal electrocardiogram (EKG)?
-Type 1 (insulin-dependent) diabetes or type 2 diabetes?
-Cancer or other malignant disease, growth, tumour or
colon polyp?
-Multiple sclerosis or motor neuron disease?
-Any breast disorders (mass, cyst, unusual discharge,
physical change, abnormal mammogram or biopsy) or
prostate disorders (nodule or abnormal PSA)?
-Any eye or ear problems or diseases other than
corrected by glasses, contact lenses or hearing aids?
3) Have you consulted a physician for an illness or
condition which has not yet been diagnosed or for
which testing is still in progress?
-Have you noticed any symptoms or health problems
for which you have not yet consulted a physician, such
as: lump or mass of the breasts, shortness of breath,
chest pain, dizziness, loss of balance, numbness, re**al
bleeding, prostate or other problems?
4) Have you ever tested positive for HIV or been diagnosed,
treated for or had any indication of AIDS, AIDS related
complex, liver or kidney failure, cirrhosis, chronic kidney
disease, hepatitis B or C, or carrier of hepatitis B?
5) Within the last five years, have you received treatment or
been advised to seek treatment or medical advice because
of your alcohol usage?
6) Within the last five years, have you used: he**in, co***ne,
hallucinogens or any other hard drugs other than as
prescribed by a doctor, or methadone whether prescribed
by a doctor or not, or have you received treatment or been
advised to seek treatment or medical advice because of
your drug usage?
7) To the best of your knowledge, has one of your natural
parents or siblings ever suffered from, or are suffering from
heart disease, cancer, stroke or transient ischemic attack
(TIA) prior to the age of 55?
8) Does your weight exceed the weight indicated in the
maximum weight table below?
Height
5’0” - 5’3”......weight 200 lbs
5’4” - 5’6”......weight 230 lbs
5’7” - 5’9”......weight 250 lbs
5’10” - 6’0”....weight 275 lbs
Over 6’0”.......weight 290 lbs
Critical Illness insurance pays out a lump sum and can be used at the complete discretion of the beneficiary (the insured). The product has been under a lot of pressure in recent years and it has been suggested that the current level of rates, features and guarantees could change. Like private life insurance, however, if you obtain this coverage prior to any changes your contract will be unaffected. Qualifying for this coverage is about as simple as it gets for good coverage. Call us for a quote or for additional information....888-565-5315.
