A.T. Financial Group - Non-Medical Insurance/Guaranteed Issue Critical Illness

Non-Medical Insurance/Guaranteed Issue Critical Illness

Industrial Alliance

Life

With Industrial Alliance, there are two guaranteed issue plans available for life insurance that both do not require any medical examinations or blood tests for application. This type of insurance is suited for individuals who have a hard time acquiring insurance due to medical reasons.

Individuals who are not qualified to apply for these two coverage plans with Industrial Alliance include the following:

   Those currently hospitalized, restricted to a clinic, residence, or nursing home
   for specialized care
   Those treated for any kind of cancer during the past two to three years
   Those that have been tested positive for HIV, AIDS, or an AIDS-related disease

Applications are a straightforward procedure using a Yes/No system and the health history segment of the application is an easy step-by-step process to enter the needed information.

The Perspective Plan:
This simple but efficient plan provides a vast number of advantages to provide the best protection suited for you with no medical examinations or blood tests required.

Advantages of this plan:
   Issues individuals ages 35 to 75 years
   Premiums are payable up to the age of 100
   A guaranteed face amount that can be indexed by 3% yearly
   Premium will not increase
   Double protection if accidental death occurs
   A reduction in premium for your spouse
   A protection amount ranging from $5,000 up to $50,000
   Economical smoker and non-smoker rates
   Age nearest is used

The Alternative Plan:
This simple but efficient plan enables you to provide a way to cover any closing expenses that may be incurred without the need to financially burden your loved ones. As well, it will allow you to pass down an inheritance to your family and loved ones.

Advantages of this plan:
   Reduction of paid up options
   Level premium and death benefit for lifetime
   A protection amount ranging from $5,000 to a maximum of $50,000
   Age nearest used
   There is a period of guaranteed premium and guaranteed premium
   payment given
   If the death of the individual other than accidental arises within the first 2 years
   the plan is in force, the benefit amount will only be restricted to the premiums
   paid with 10% interest

There are 3 different coverage alternatives to best suit your present needs as well as for the future:

1) Life insurance with affordable premiums:
   Ideal for those who are looking for simple coverage with
   affordable premiums
   Guaranteed amount for the duration of the insurance coverage
   Guaranteed premiums payable for the entire duration of the coverage

2) Life insurance to suit your needs despite inflation:
   Ideal for those who want protection covering final expenses to avoid
   heavy financial burden to loved ones
   Provides indexation of the face amount at 3% each year
   guaranteed premiums payable for the entire duration of the coverage

3) Life insurance whose premium payments end more quickly:
   Ideal for those who want life insurance cover payable for a shorter
   period of time
   Premium payment period depends according to your age when the
   insurance is bought but is less than 20 years
   Guaranteed premiums payable for 20 years or less, according to your age

Issues individuals ages 6 months to 65 years with premiums payable for 20 years.
Issues individuals ages 66 to 74 years with premiums payable until the age of 85.
Issues individuals ages 75 to 80 years with premiums payable for 10 years.

Critical Illness

Transition Simplified Issue is the guaranteed issue critical illness insurance plan offered by Industrial Alliance. With this plan, you will be provided a cash benefit if you are diagnosed with a critical illness so that you can focus on recovering instead of worrying about financial difficulties.

Advantages of this plan:

A tax-free lump-sum payment of up to $100,000 will be given 30 days after
being diagnosed with one of the following medical conditions and illnesses:

Cancer, Heart attack, Stroke, Coronary artery bypass surgery

- Issues adults ages 18 to 60

- Can retain your coverage until you are 75 years old, even if your health status changes

- Guaranteed premiums

Optional coverage available:

Flexible Return of Premiums:
At the age of 65 or after 15 years, you have the ability to recover all premiums paid

Return of Premiums Upon Death:
Your beneficiaries receive all premiums upon the time of your death

RBC Edge

Disability

If you earn income and revenue from working, you must learn how to protect it. As your ability to earn income is your most valuable asset, this plan can protect the lifestyle your income affords while also providing valuable services to help you return to work. Accidents, mistakes, and sicknesses occur daily with the odds of becoming disabled increasing as you age. As well, your capability to obtain coverage also diminishes as you get older. How would you cope if one day you were in a devastating accident or became very sick? How would your way of life alter if you didn’t have the financial means to survive? Having the disability plan from RBC’s Edge program can help relieve your financial burden with the Loss of Income Coverage plan.

This plan is ideal for:
   The self-employed
   Contract and subcontract workers
   Truck driver
   Seasonal or part-time workers
   Individuals in the trades business
   Individuals without coverage of a group disability plan

Loss of Income Coverage:
   Receive $1,000 up to $4,000 each month
   Benefits payable for most occupations up to the age of 70 years
   Benefits payable starting from the first day

Other features in this plan include:
   Partial disability benefit
   Waiver of premium
   Return to work assistance benefit
   Accident medical reimbursement benefit

Optional benefits available:
   Business Overhead Expense Coverage:
   Coverage of $1,000 to $4,000 each month up to 12 times the monthly benefit
   Accidental Death and Dismemberment Coverage:
   A lump sum of $100,000 up to $300,000 is given
   Out-of-Province or Canada Travel Medical Emergency Coverage:
   Coverage of up to $5,000,000 provided
   Illness coverage

Roadside

This plan is specifically designed for the truckers in mind. As your chances of becoming disabled due to a roadside injury raises with age while your ability to acquire coverage diminishes, it would be wise to purchase a coverage plan to be prepared in case such unfavourable conditions occurs. This plan includes the loss of income injury coverage and is guaranteed to issue.

Loss of Income Injury Coverage:
   Coverage of $2,000 up to $4,000 will be paid out each month
   Payable starting from the first day up to the age of 70
   Benefits are based on your net earned income or gross business revenue

Other features included in the plan:
   Partial disability benefit
   Waiver of premium
   Return to work assistance benefit
   Accidental death and dismemberment coverage
   Accident medical reimbursement benefit ($110,000)
   Out-of-province or Canada travel medical emergency coverage

Roadside Package Upgrades Available:
   Add illness to your Loss of Income Coverage plan
   Additional accidental death and dismemberment coverage
   Business overhead expense coverage

Encore

This plan is designed to protect you from life’s unforeseen events. If one day an injury or illness leaves you traumatized alongside the added pressure of financial burden, this plan can help relieve the weight of the expenses. Make sure to safeguard your way of life with the Encore plan. Acceptance is guaranteed and no medial questions are required to be answered.

Accidental Death and Dismemberment Coverage:
   Issues ages 18 to 64 and covers up to the age of 70 years
   A lump sum amount will be paid upon death, paraplegia, hemiplegia,
   or quadriplegia
   Includes an enhanced loss schedule and benefits
   (such as day care, education, home, vehicle alternation, and seat belt benefit)
   Coverage of $300,000 or $500,000
   Family coverage is available
   However, benefits will not be paid if injury is caused by any of the following:
   - Suicide or a self-inflicted injury that was intentional
   - Declared or undeclared war or terrorist activity
   - Being under the influence of a controlled substance
   - Sickness or disease
   - Taking a part of a criminal act
   - Operating a vehicle under the influence of alcohol or an intoxicant

Life Insurance (Coverage up to $25,000):
   Issues ages 30 to 85 with coverage up to 100 years old
   Helps cover the cost of funeral or other final expenses upon event of death
   Four times the benefit will be made if your death is accident-caused
   A living benefit of up to 50% may be paid if a terminal illness is diagnosed
   with a prognosis of death within 12 months, but the coverage plan must be
   in force for at least a full 2 years when diagnosed

Critical Illness (Coverage up to $25,000):
   Issues ages 18 to 64 years with coverage up to age 70
   A tax-free lump sum payment will be paid when you are diagnosed with one
   of the covered insured conditions while insurance is in force
   An automatic increase of 5% in benefits will occur each 5 continuous years
   coverage is in force
   Premiums are paid in full up to a maximum of 25% additional insurance
   Insured conditions:
   - Alzheimer’s disease
   - Aorta surgery
   - Benign brain tumour
   - Blindness
   - Cancer
   - Coma
   - Coronary artery bypass surgery
   - Deafness
   - Dismemberment
   - Heart attack
   - Loss of independence
   - Loss of speech
   - Lou Gehrig’s disease (ALS)
   - A vital organ failure
   - Multiple sclerosis
   - Paralysis
   - Parkinson’s disease
   - Severe burns
   - Stroke

Medical/Dental

This plan will help support a healthy way of life and is excellent for those who need a smart approach for in between medical expenses not covered by government health plans.

  May choose from 2 plans – Base (covers 80%) or Deluxe (covers 90%)
  May choose a Health Coverage plan only or a Health and Dental Coverage plan
  Coverage for single, couple, or family

Benefits:
Prescription Drugs (not available for Quebec residents)

Health Benefits plan:
   Ambulance transportation:
   - By Air
   - By land
   Hearing aids:
   - $500 for every 3 years
   - Eye care
   Paramedical services:
   - Physiotherapist, psychologist, speech therapist, chiropractor, osteopath,
   homeopath, podiatrist/chiropodist, naturopath, acupuncturist &
   registered massage therapist, home support services
   Medical equipment
   Home support services
   Accidental dental coverage
   - A maximum of $10,000 per benefit year

Emergency Travel Medical Coverage:
   A maximum of $1,000,000 may be paid per year
   Only applies when individual has an emergency injury or illness while
   on vacation or traveling for other than health reasons

Dental Benefits (only as a supplement of the Health Benefits plan):
   Basic services covered at 80%:
   - Preventive services
   - Periodontal scaling/cleaning
   - Diagnostic services
   - Basic oral surgery
   Comprehensive dental services covered at 70%:
   - Endodontic treatment
   - Periodontal treatment
   - Standard denture services
   - Comprehensive oral surgery

Fracture

Everything is usually fun and games until something goes wrong in the process. Many accidents result in fractures causing suffering for both the body and your financial state. With this plan, it can help relieve your financial burden.

Fracture Accident Benefit (FAB):
   Issues up ages 18 to 64 years with coverage up to the age of 70
   Coverage valid for any accident 24 hours a day, anywhere in the world
   Pays on top of other benefits
   No loss of income required
   A great way to make sure you, your spouse, and your children are
   protected from a loss related to an accident
   Single coverage or family coverage available
   A tax-free lump sum payment

Assumption Life

Life

With Assumption Life, there are many plans individuals can choose from.

Individuals who are not qualified to apply for these four coverage plans include:

   Those currently hospitalized, restricted to a clinic, residence, or nursing home
   for specialized care
   Those treated for any kind of cancer during the past two to three years
   Those tested positive for HIV, AIDS, or an AIDS-related disease

Applications are a straightforward procedure using a Yes/No system and the health history segment of the application is an easy step-by-step process to enter the needed information.

Golden Protection:
This plan features a permanent, non-participating life insurance with a guaranteed quantity that will be paid upon the death of the insured.

Advantages of this plan:

   No medical exam is required
   Issues ages 40 to 85 years
   Covers from $1,000 up to $50,000
   A limited proof of insurability
   Level premiums to be paid are guaranteed until the issuer has
   reached 100 years
   Competitive smoker and non-smoker rates
   Offered as a policy as or as a rider
   Other benefits available include Accidental Fracture Plus

Includes:

Death Benefit:
  The total insured for the policy or rider is paid upon death

Accidental Death Benefit:
  A supplementary amount equivalent to the total insured is payable upon
   accidental death, with the exception in a licensed public carrier, if death
   occurs within 90 days of the accident
  A supplementary amount double the total insured is payable upon accidental
   death in a licensed public carrier, if death occurs within 90 days of the accident

Golden Protection Plus:
This plan features a permanent, non-participating life insurance with a guaranteed increasing sum that will be paid upon the death of the insured.

Advantages of this plan:

   No medical exam is required
   Issues ages 40 to 80 years
   Covers from $1,000 up to $30,000
   A limited proof of insurability
   Level premiums to be paid are guaranteed until the issuer has
   reached 100 years
   Competitive smoker and non-smoker rates
   Offered as a policy as or as a rider
   Other benefits available include Accidental Fracture Plus

Includes:

Death Benefit:
   The amount of increasing total insured for the policy or rider is payable
   upon death
   The amount of increasing total insured is equivalent to the sum insured
   on the issue date of the policy or rider and increases by 3% on every
   anniversary until either events occur:
   - Amount reaches two times the total insured on the issue date
   - The age of the insured reaches 100

Accidental Death Benefit:
   A supplementary total equal to the sum insured is payable in the case
   of an accidental death, with the exception in a common carrier, if death
   occurs within 90 days of an accident
   A supplementary total is equivalent to two times the sum insured, and
   is payable in the case of an accidental death in a licensed public carrier
   if death occurs within 90 days of the accident

Living Benefit:
   If the first-time occurrence of a terminal illness is stated at a minimum of
   180 days in the contract after the issue of the policy or rider, the policyholder
   is able to get 50% of the sum insured

Transportation Benefit:
   If the event of death takes place at a site greater than 200 km away from the
   primary residence of the insured, an amount of $2,000 CND will be payable
   to cover the expense of moving the remains to the primary residence

Total Protection Plan:
This plan features a permanent, non-participating life insurance with a guaranteed total paid upon the time of death of the insured.

Advantage of this plan:

   No medical exam is required
   Issue covers ages 18 to 80 years
   Covers amounts of $5,000 up to $30,000 and $30,001 up to $50,000
   A very limited proof of insurability is needed for issue
   Guaranteed level of premiums payable and will not increase
   Competitive smoker and non-smoker rates
   Plan is available as a policy or as a rider

Includes:

Death Benefits:
   Premiums are repaid with 3% interest per annum if the death of the
   insured takes place before the second anniversary of the policy or rider
   Benefit total is paid if the death of the insured takes place after the
   second anniversary of the policy or rider

Accidental Death and Dismemberment (AD&D) Benefit:
     Accidental Death: The sum corresponding to the total amount insured
   of the policy or ride is paid
     Accidental Dismemberment: A benefit amount is paid equivalent to a
   percentage of the total insured using the following:
   Loss of both hands or feet – Amputation 100%
   Loss of eyesight in both eyes 100%
   Loss of one hand and one foot – Amputation 100%
   Loss of one hand or one foot and loss of eyesight
   of one eye – Amputation 100%
   Loss of one hand or one foot or loss of eyesight of
   one eye – Amputation 50%

Please note: The death or loss payable needs to take place within 90 days of the accident.

Critical Illness

Hypothetically, if you were one day diagnosed with cancer or were suddenly paralyzed from the neck down after experiencing a heart attack, how would you handle the situation? How would you and your family cope with the financial burden from the high fees of long-term care and hospitalization? Without any sort of critical illness insurance plan, you and your family may face hardship, which can be emotionally and financially draining.

To prevent this unfavourable scenario, the critical protection plan from Assumption Life can be the solution to your fears by providing coverage for your financial health. With this plan, you would be able to have the energy to focus on your personal wellbeing instead of having to worry about financial costs related to your illness.

Individuals diagnosed with or have had a kidney failure, cancer, a heart attack, a critical organ transplant, or a stroke can be protected financially as it can take many months to many years to recover.

The major characteristics of this plan:
   Available for individuals ages 18 to 60
   Exemption of a medical examination
   Coverage from $10,000 up to $30,000
   Benefits are paid to the policyholder, who can choose to use the funds
   as they wish
   Refund the premiums if no critical illness benefit amount has been paid out
   upon death of the individual
   Dismemberment or accident death coverage

A lump sum will be compensated to the patients who continue to live, which can be used for a variety things including but not restricted to:

   Paying for costly drugs and therapy
   Replacing lost or reduced income from not being able to work
   Making needed changes and renovations to your home
   Purchasing needed equipment or wheelchairs
   Paying off loans as well as mortgages
   Paying for the expense of nurses or other help needed
   Hiring an individual to take over the business you may have been running
   Replacing a family member’s earnings who may have had to leave work
   to care for you

Canada Protection Plan (CPP)

Life

Canada Protection Plan offers 3 non-medical permanent life insurance policies for individuals that will remain in force for the whole life of the policyholder and 3 non-medical term life insurance policies for individuals that want 10, 15, 20, 25, or 30 year terms. Term Life insurance policies may be renewed for additional number of years for more protection or they can be converted into permanent life insurance. As well, there is an additional plan for guaranteed issue critical illness coverage.

Applications are a simple procedure using a Yes/No system and the health history segment of the application is an easy step-by-step process to enter the needed information.

Non-Medical Permanent Life Insurance Policies:

Simplified Life:
This non-medical policy is intended for seniors or individuals who have a hard time getting insurance or just don’t have the time to get a medical examination. It may be purchased by individuals who are ages 25 to 80.

Benefits of this plan:
   Coverage from $1,000 up to $50,000
   Once reaching the 5th year of your policy, you can cancel your coverage
   and start to get a percentage of your premium

   Free Terminal Illness Benefit:
   Receive up to 25% of your coverage amount when you are alive

   Free Transportation Benefit:
   If your death occurs over 200 km away from your place of residence,
   $2000 will be given to you to transport your body back

   Automatic Premium Loan Provision:
   After having made a number of premium payments and you miss
   a payment, the company will automatically borrow with interest against
   your insurance policy to pay your missed premium
   Missed payments can soon after be repaid so that your coverage amount
   will go back to its full amount

Optional features:

   Accident Death Benefit:
   May be purchased by individuals under the age of 65 with the
   benefits coverage ending at age 70
   May equal your benefit amount or be 3 or 5 times the initial coverage
   Your beneficiary will receive an amount of 2, 4 or 6 times your initial
   coverage amount

   Child Term Rider:
   May be purchased for children ages 1 month to 18 years
   Offers $5,000 in coverage for each child up to the age of 21 or 25

   Hospital Cash Benefit:
   Pays $25, $50, $75, or $100 each day when you are in the hospital
   for up to 180 days
   A double amount of benefits will be paid if you are in the ICU for
   up to 30 days

Simplified Life Plus:
This non-medical policy is intended for seniors or individuals who have a hard time getting insurance or just don’t have the time to get a medical examination. It may be purchased by individuals who are ages 25 to 80.

Benefits of this plan:
   Coverage from $50,001 up to $75,000

   Free Terminal Illness Benefit:
   Receive up to 25% of your coverage amount when you are alive

   Free Transportation Benefit:
   If your death occurs over 200 km away from your place of residence,
   $2000 will be given to you to transport your body back
   Once reaching the 5th year of your policy, you can cancel your
   coverage and start to get a percentage of your premium

   Automatic Premium Loan Provision:
   After having made a number of premium payments and you miss
   a payment, the company will automatically borrow with interest
   against your insurance policy to pay your missed premium
   Missed payments can soon after be repaid so that your coverage
   amount will go back to its full amount

Optional features:

   Accident Death Benefit:
   May be purchased by individuals under the age of 65 with the benefits
   coverage ending at age 70
   May equal your benefit amount or be 3 or 5 times the initial coverage
   Your beneficiary will receive an amount of 2, 4 or 6 times your initial
   coverage amount

   Child Term Rider:
   May be purchased for children ages 1 month to 18 years
   Offers $5,000 in coverage for each child up to the age of 21 or 25

   Hospital Cash Benefit:
   Pays $25, $50, $75, or $100 each day when you are in the hospital
   for up to 180 days
   A double amount of benefits will be paid if you are in the ICU for
   up to 30 days

Deferred Life:
This non-medical policy is intended for seniors or individuals who have a hard time getting insurance or just don’t have the time to get a medical examination. If the death of the insured occurs within the first two years, premiums will be returned with 3% simple interest. This plan may be purchased by any individual ages 25 to 80 years. Your policy coverage may be paid in full in 20 years or until you have reached the age of 100. Those with better health should consider purchasing the Simple Life or Simple Life Plus insurance plan instead.

Benefits of this plan:
   Coverage from $1,000 up to $50,000

   Free Terminal Illness Benefit:
   Receive up to 25% of your coverage amount when you are alive
   Once reaching the 5th year of your policy, you can cancel your coverage
   and start to get a percentage of your premium

   Automatic Premium Loan Provision:
   After having made a number of premium payments and you miss a
   payment, the company will automatically borrow with interest against
   your insurance policy to pay your missed premium
   Missed payments can soon after be repaid so that your coverage
   amount will go back to its full amount

Optional features:

   Accident Death Benefit:
   May be purchased by individuals under the age of 65 with the benefits
   coverage ending at age 70
   May equal your benefit amount or be 3 or 5 times the initial coverage
   Your beneficiary will receive an amount of 2, 4 or 6 times your initial
   coverage amount

   Child Term Rider:
   May be purchased for children ages 1 month to 18 years
   Offers $5,000 in coverage for each child up to the age of 21 or 25

Non-Medical Term Life Insurance Policies:

Simplified Term:
This non-medical policy is offered with a 10 year or 20 year renewable premium or level premiums up to the age of 100. Premium payments will not increase for each renewal period and never increase for level premiums to age 100. This plan may be issued from the age of 20 to 70 years and starts right away.

Benefits:
   Coverage from $25,000 up to $150,000
   Renewable: Can renew without any additional medical information until
   the age of 80 for 10 year renewable and up to the age of 90 for the 20
   year renewable

Optional features:

   Accidental Death Benefit:
   If your death is by accident and your payments are up to date, in
   addition to your coverage amount, you will be paid an accidental death
   benefit amount as well
   Amount may be 1, 3, or 5 times your coverage amount
   A $250,000 maximum can be received

   Child Term Benefit:
   May buy coverage of $5,000 for each of your children
   Available for each child 30 days old up to 18 years
   Benefits ends when the child reaches the age of 25 or when the
   policyholder turns 65

Simplified Plus Term:
This non-medical plan is suitable for individuals who have none or very minimal health issues during the past 10 years. The policy is effective right away and is available for individuals ages 20 to 70 years. It is offered with a 10 year or 20 year renewable premium or level premiums up to the age of 100. Premium payments will not increase for each renewal period and never increases for level premiums up to age 100.

Benefits:
   Coverage from $25,000 up to $150,000
   Renewable: Can renew without any additional medical information
   until the age of 80 for 10 year renewable and up to the age of 90 for the
   20 year renewable

Optional features:

   Accidental Death Benefit:
   If your death is by accident and your payments are up to date, in
   addition to your coverage amount, you will be paid an accidental death
   benefit amount as well
   Amount may be 1, 3, or 5 times your coverage amount
   A $250,000 maximum can be received

   Child Term Benefit:
   May buy coverage of $5,000 for each of your children
   Available for each child 30 days old up to 18 years
   Benefits ends when the child reaches the age of 25 or when the
   policyholder turns 65

Deferred Term:
This non-medical plan requires a 2 year waiting period before the plan comes into effect if the insured is qualified. The plan is available for 10 or 20 years or up to the age of 100. Premium payments will never go up and the plan can be bought if you are from the ages of 18 to 70.

Benefit:
   Coverage from $25,000 up to $100,000

Optional features:

   Accidental Death Benefit:
   If your death is by accident and your payments are up to date, in addition
   to your coverage amount, you will be paid an accidental death benefit
   amount as well
   Amount may be 1, 3, or 5 times your coverage amount
   A $250,000 maximum can be received

   Child Term Benefit:
   May buy coverage of $5,000 for each of your children
   Available for each child 30 days old up to 18 years
   Benefits ends when the child reaches the age of 25 or when the
   policyholder turns 65

Critical Illness

This non-medical critical illness insurance plan is ideal for candidates who want to receive traditional critical illness insurance but have great difficulty acquiring it. No medical examination is required for application.

Advantages of this plan:
Able to be purchased by individuals ages 20 to 55 years

Benefit will be paid in a one-time payment if diagnosed with one of the
covered critical illnesses:

   - Heart attack
   - Stroke
   - Life-threatening cancer
   - Paralysis
   - Kidney failure
   - Vital organ failure
   - Coverage of $10,000 up to $100,000
   - Return of premiums paid upon death
   - No annual policy fee

Other optional features:
   Indexing:
   Beginning with the second year of your policy, your coverage increases
   by 5% each year until it reaches 150% of the initial amount.

   Disability Waiver:
   This option is available for individuals ages 20 to 55. If you become disabled
   for more than 6 months, your premiums will be covered until you are no
   longer disabled. The benefits will end once reaching the age of 65.

   Return of Premiums at the age of 75:
   After reaching the age of 75, you may receive back all your base premium
   payments if you did not claim your policy yet and if your premium is up-to-date.

IllnessPROTECTION

ELITE U.S. Healthcare

ELITE U.S. Healthcare™ provides access to information, funding and timely treatment at the top medical Centres of Excellence in the U.S.

This cost effective solution eliminates wait times and pays treatment and travel costs.

This unique protection product was developed in collaboration with Cleveland Clinic Canada.

This important insurance covers you for any illness or injury with a wait time for treatment in Canada, subject to the terms and conditions of the policy. It makes lifetime direct payments of up to US $5 million for all medical costs and business class travel from diagnosis through treatment and recovery.

The elimination of wait times for medical treatment will reduce the emotional distress suffered by patients and their family members. Corporations can now minimize financial risks arising from executive downtime.

ELITE U.S. Healthcare™ has a lifetime limit of US $5 million and can be used for multiple occurrences.

ELITE U.S. Healthcare™ includes a rapid 2nd Opinion, no-wait access to treatment, and a personal case coordinator to navigate clients through diagnosis, treatment and recovery.

ELITE U.S. Healthcare™ pays all medical expenses and business class travel for the insured and a traveling companion.

There is NO waiting period, coverage begins immediately upon acceptance.

ELITE U.S. Healthcare™ is cost effective – premium is CDN $1,252 annually for a 40 year old male non smoker and CDN$2,098 for a 50 year old male non smoker, both assuming a US$10,000 deductible.

ELITE U.S. Healthcare™ has deductible options of US $5,000 or $10,000 per occurrence.

Coverage is available to age 75 and for infants as young as 60 days. It is designed to protect you and your family.

This is an intelligent solution for individuals, executives and executive group plans.

If set up properly, premiums are deductible by the company, a non-taxable benefit to plan members, and all benefits are received tax-free.

This unique plan is underwritten by Royal & Sun Alliance Insurance Company of Canada, one of the world’s leading insurance groups, and administered by Global Excel Management Inc.