• AIDS or AIDS related diseases
• Hepatitis C
• Positive for HIV
• Alcohol Abuse Treatment within past 2 years
• Huntington's Chorea or family history of same if you or the proposed Insureds are under age 50
• Alzheimer's Disease
• Insulin Dependent Diabetes
• Angina
• Parkinson's Disease
• Bacterial Meningitis
• Aortic Surgery
• Stroke
• Cancer
• Multiple Sclerosis
• Chronic Kidney Failure
• Muscular Dystrophy
• Coronary Artery Surgery or Angioplasty
• Policystic Kidney Disease or family history of same or proposed Insureds if under age 35
• Cystic Fibrosis
• Permanent Paralysis
• Drug Abuse within past 3 years
• Aplastic Anaemia
• Heart Valve Replacement
• Major Organ Transplant
• Heart Attack
  
  Disclaimer: Please note that this is only a checklist of conditions that would definitely result in an application being declined for critical illness coverage. There may be other conditions that could also result in a decline for you. If any member of the proposed insured's immediate family (i.e siblings and parents) have had one of the above conditio the policy may be rated or in some cases, declined.

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Click Button Below When Done Please Click Only Once . . . May take up to 30 seconds!   Protect Your Savings. Buy Critical Illness Insurance To Protect Your Investments Save Time and Money. Click Here for a Quote Do you have protection against your greatest financial vulnerability-changes to your health? What would happen to your savings, investments and personal assets such as your House, if you were diagnosed with a critical illness? Things like out-of-pocket medical expenses and travel costs would have to come from your savings and investment portfolio. But early withdrawals have tax consequences. And selling investments earlier than planned might not generate the returns you expected. Taking time off work to recuperate or care for a loved one would cause a loss of income. In this situation, you might find it difficult to continue to invest. But even temporarily putting a hold on your investment purchases can have a long-term impact on portfolio growth. If you are forced to deviate from your original investment plan, your portfolio may never recover from any lost returns-and your future retirement income could fall far short of what you had hoped for. When people get sick, no matter how wealthy they are, the first priority is recovery. Financial concerns can add unnecessary and unwanted worry during an already stressful time. The Solution: Have enough critical illness insurance to stop your losses and protect your assets. Critical illness insurance helps avoid having to prematurely withdraw money from an RRSP, savings or other investments. It provides a lump sum benefit that can be used however you choose, including: fund private or alternative medical treatment replace lost income pay down mortgage or other debts create a trust fund for children Save Time and Money. Click Here for a Quote The Result: Asset protection and peace of mind. By redirecting a small portion of the funds you planned to invest, towards paying the premiums on a critical illness insurance policy, you can protect your assets against the possibility of a future critical illness. Plus, With a Return of Premium Rider, you will have your premiums returned if you choose to cancel your Policy after 15 years** Example: With critical illness insurance, $7,930* of a $50,000 annual contribution goes to paying the premium for a $500,000 Term 75**. $42,070 is invested as usual. If a critical illness happe the policy pays out $500,000. No money is withdrawn from your savings and investments, which by age 65 reach $2,108,273. If there is no critical illness, you can choose to cancel your policy after 15 years**, and would receive $198,250 in returned premium. This money can be added to your investments and your savings at age 65 would be $2,306,523. Without critical illness insurance, your investments are at risk. But with proper insurance protection, there should be no need to withdraw funds from your investment portfolio and jeopardize your retirement plans. Because your investments should be for your future-not for your medical bills, call or email me now to see how critical illness insurance can you help you protect your investment portfolio: Daniel La Tour, B.A.; B.Ed. Financial Advisor (514) 630-6116 daniel.latour@justincaseinsurance.com www.JustinCaseInsurance.com

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Daniel La Tour is our Licensed Life Insurance Agent in BC, AB, ON & QC.
For help and advice, contact Daniel La Tour.