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Industrial Alliance
Insurance without Medical Examination - Alternative and Perspective
Who Should Consider Insurance Without Medical Examination?
Requiring no medical examination or blood test, this type of insurance is intended for persons who for medical reasons have difficulty obtaining insurance. We have designed two different products providing insurance without medical examination?Alternative and Perspective?to better meet your specific needs.
Features and Advantages of Alternative and Perspective
Alternative and Perspective provide a guaranteed sum insured for your lifetime, including guaranteed cash surrender values.
You may stop paying the premium before the anticipated time and obtain a reduced and guaranteed amount of insurance for your lifetime.
Products Offered
Two forms of insurance without medical examination are available:
Alternative, for individuals 6 months to 80 years of age. Premiums are payable for 10 or 20 years, or up to the age of 85 years;
Perspective, for individuals 35 to 75 years of age. Premiums are payable up to the age of 100 years.
The Prospective - Non-Medical
| Brief Product Summary |
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- SIMPLE and EFFICIENT SOLUTION
- NO medical examination - NO blood test - NO x-rays - NO ECG?s - NO financial verification
- Issue ages 35 to 75
- Face amount is guaranteed
- Face amount can also be indexed by 3% yearly
- Premium will never increase
- Guaranteed values
- Double protection in case of accidental death
- Premium reduction for your spouse
- Protection min: $5,000 Max: $50,000
- Competitive smoker and non-smoker rates
- Use age nearest
This product offers many distinct advantages that have been chosen and adapted to provide you with the best possible protection.
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The Alternative - Guaranteed Issue
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- No medical examinations - NO blood test - NO x-rays - NO ECG's - NO financial verification
- Issue age 6 months to 65 years premiums payable for 20 years
- Issue age 66 to 74 years premiums payable until age 85
- Issue age 75 to 80 years premiums payable for 10 years
- Reduced paid up options
- Level death benefit during lifetime
- Leavel premium for life
- Protection min: $5,000 Max: $50,000
- Use ago nearest
- The $35,000 maximum applies to the total number of alternative life insurance policies on one life
- A $10,000 also applies when the insured is under age 25
- Guaranteed premium and guaranteed premium payment period
- If death other than accidental occurs within the first 2 years the contract is in force, the benefit paid will be limited to the premiums paid plus 10% interest
- Inquire about the 3 different coverage options available
This product is the simple and efficient solution to apply for life insurance that will allow you to leave an inheritance to your loved ones, or that will give you the means to cover final expenses; without financial consequences for your loved ones.
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Who's NOT eligible for coverage?
- If presently hospitalized, confined to a clinic, a nursing home, a rest home a special care institution or at your residence.
- If have been treated with any type of cancer during the past 2 or 3 years?
- If have been informed to have tested positive for the HIV or have been informed to have acquired immune deficiency syndrome (AIDS) or aids-related disease.
Are you a prospective client looking for a FREE quotation? If the answer is yes then, please complete the form below and we will respond promptly.
Click here to a see a final expense product video
Insurance Brokers, For Your Personal Broker Kit, please contact our
Marketing Department
555 Burnhamthorpe Rd. Suite 600, Etobicoke, Ontario M9C 2Y3
Tel:(416) 626-5044 Fax:(416) 626-5068
Toll Free: 1-866-396-5445
E-mail: marketing@versatilefinancial.com
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