Non-Medical Insurance

Non – Medical & Guarantee Issue Critical Illness

Online Quotation

Terms and Definitions

• No medical exam required
• Issue ages
• 40 to 80 years of age
• Use age nearest
• Policy amount
• $1,000 to $30,000 (to be increased to $50,000 this year)
• Policy Fee: Individual: $60 Rider (spouse)$30
• Guaranteed cash values and guaranteed paid-up insurance
• Permanent life insurance
• Guaranteed amount payable at death
• Guaranteed level premiums
• Premiums are payable to age 100
• Competitive rates for smokers and non-smokers
• Available as a policy or rider (spouse)
• Issued with limited proof of insurability
• Insurance amount doubles in case of accidental death
• Insurance amount triples in case of accidental death in a public transportation vehicle

• 2 - year waiting period (except in case of accidental death)
• No medical exam required
• Issue ages 25 to 80
• Use age nearest
• Guaranteed level premiums
• Guaranteed level death benefits
• Premiums are payable to age 100
• Issued with very limited proof of insurability
• Available as a stand alone policy only
• Participating insurance with dividends
• Death benefit
  • For accidental death: the face amount is paid at any time
  • Death occurring due to natural causes within the first two years (premiums will be refunded in full with interest at a rate of 8%)
• Annual fee - policy $80.00
• Death Benefit - $1,000 to $25,000
• Guaranteed cash values and paid-up insurance
• Dividends
  • From the 7th policy year
  • Not guaranteed