Benefit Options

  • Heart Attack & Stroke

  • Invasive Cancer & Carcinoma In Situ

  • Coronary Heart Disease and By-pass Surgery

  • Major Organ Failure and Transplant

  • End Stage Renal Failure

  • Alzheimer's Disease

  • Occupational HIV and Hepatitis

  • Muscular Dystrophy

  • Multiple Sclerosis

  • Blindness, Coma, Brain Tumor

  • Permanent Paralysis

  • etc.

Key Features

  • Unlimited Plan Design and Benefit Level Flexibility

  • Multiple Occurrence Benefits

  • Reoccurrence Benefits

  • Category and Non-category Plans

  • Maximum Payout

  • Age Related Benefit Reductions

  • Multiple Pre-x Limitation Options

  • Multiple Waiting Period Options

Rating Options

  • Guarantee Issue and Simplified Issue

  • Voluntary & Employer Paid Rates

  • Attained Age & Issue Age Rates

  • Composite Rates

  • Gender Distinct & Uni-sex Rates

  • Tobacco Distinct Rates

  • Optionally and Conditionally Renewable