| Critical
Illness |
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| Critical
Illness Recovery Plan |
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UNUM'S
CRITICAL ILLNESS RECOVERY PLAN
Because
surviving a critical illness is just the first
step to recovery
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Statistics
show that Canadians are living longer.
As people live longer, there is a higher
potential to be affected by a serious
illness or injury. Statistics also show
that the Canadian health care consumer
is faced with rising health care costs,
increases in waiting time for treatment
and limited availability of appropriate
medical services.
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INDIVIDUAL
LIFESTYLE PROTECTION
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The
Critical Illness Recovery Plan is designed
to cover the additional expenses you
may be faced with should you suffer
a severe injury, or catastrophic illness,
such as cancer, heart attack or stroke.
This plan is a perfect complement to
any income protection coverage, which
is designed to provide protection for
your every day living expenses.
It provided a lump sum payment to give
you the independence to make meaningful
decisions about your physical and financial
recovery and protect your standard of
living. You may use the payment in any
manner you choose, such as:
- Out
of country or non-government
covered treatments
- Specialized
medical treatment, private nursing
or child care
- Alter
your home or automobile to accommodate
your special needs
- Payments
for your mortgage, business
loans or other debts
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CUSTOMER
MARKETS
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- Non-working
spouses
- Individuals
who are unable to qualify for
income protection coverage on
the basis of their income or
type of employment
- Individuals
with certain non-critical illness
related medical histories that
prevent them from obtaining
income protection coverage
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- Employees
covered by group or association disability
plans and their families
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| Critical
Illness Benefits |
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DO
YOU KNOW ANYONE WHO HAS SUFFERED FROM HEART
ATTACK, STROKE OR CANCER??
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| LOOK
AT THE STATISTICS AND DON'T IGNORE THE FACTS |
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1
in 4 Canadians will have a heart condition or
stroke related illness.
2 in 5 men and 1 in 3 women will develop some
form of cancer during their lifetime.
1 in 9 women will have breast cancer during their
lifetime.
125,000 new cancer cases in Canada are diagnosed
each year. |
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| Why
should I get Critical Illness insurance? Will
I be on this list above? |
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Would
you have the finances to support yourself, your
business or your family if you were diagnosed
with cancer or a heart condition?
Even
if you could support yourself, at what price,
as you withdraw from your RRSP's and savings?
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| Critical
Illness benefits provide Tax Free Cash in a lump
sum payment from $ 10,000 to $ 1,000,000 on any
of the following 20 Conditions: |
| Heart
attack |
Major
organ transplant |
Stroke |
| Cancer |
Coronary
artery bypass |
Kidney
failure |
| Blindness |
Deafness |
Loss
of speech |
| Severe
burns |
Motor
neuron disease |
MS
(Multiple sclerosis) |
| Paralysis
or loss of limbs |
Coma |
Alzheimer's
disease |
| Parkinson's
disease |
Occupational
HIV |
Insulin
dependent diabetes |
| Benign
brain tumor |
Severe
rheumatoid arthritis |
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| Need
a quote? Email
or call (228-0901) Ogden Financial Planners.
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| How
Much Critical Illness Insurance Do You Require?
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Mortgage |
$ |
________ |
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Loans |
$ |
________ |
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Timely
or non-insured treatment outside Canada |
$ |
________ |
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Travel,
Lodging and meals associated with
treatment outside Canada |
$ |
________ |
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Nurse,
housekeeper or child care provider
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$ |
________ |
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Equipment
(such as wheelchair, scooter or home
care bed) |
$ |
________ |
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Home
renovations |
$ |
________ |
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Van
conversion |
$ |
________ |
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Other
___________________________________ |
$ |
________ |
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Other
___________________________________ |
$ |
________ |
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| Total
potential expenses |
$ |
________ |
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Less
resources available from other sources
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$ |
________ |
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| Amount
of critical illness insurance for
personal needs |
$ |
________ |
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Mortgage |
$ |
________ |
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Loans |
$ |
________ |
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Additional
staff |
$ |
________ |
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Buy/sell
insurance |
$ |
________ |
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Other
___________________________________ |
$ |
________ |
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Other
___________________________________ |
$ |
________ |
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| Total
potential expenses |
$ |
________ |
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Less
resources available from other sources
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$ |
________ |
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| Amount
of critical illness insurance for business
needs |
$ |
________ |
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