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Critical Illness Coverage with No Medical


Premium: $25,000.00 for $29.80/month


Amount of Coverage: Guaranteed Issue Coverage is $25,000.00


This product is renewed annually on April 1st of each year. Rates are not guaranteed. If there is a change in premium, it will change for all insured.


Medical: No Medical Required


Pre-existing Condition:

  • the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care or treatment within a twenty-four (24) month period preceding the Insured Personís effective date of coverage, or

  • an illness or condition for which the Insured Person, during twenty-four (24) months prior to the effective date of his coverage incurred medical expenses, received medical treatment, took prescribed drugs or medicine or consulted a physician.


The Principal Sum will not be paid if a Critical Illness results directly or indirectly from any one or more of the following causes:

  • Within ninety (90) days following the effective date of the Insured Personís coverage

  • Diagnosis of Cancer is made, or

  • any symptoms or medical problems commenced and initiated investigations leading to the subsequent Diagnosis of Cancer.

  • An intentionally self-inflicted injury or sickness, whether the Insured Person is sane or insane.

  • The use of illicit drugs other than as prescribed and administered by or in accordance with the instruction of a legally licensed medical practitioner.

  • From a Pre-Existing Condition except if such Critical Illness is diagnosed twenty-four (24) months after the Insured Personís effective date of coverage.

Up to $250,000 Optional Accidental Death Coverage Now Available for You and Your Family that includes:

  • Education Benefit

  • Day-Care Benefit

  • Rehabilitation Benefit

  • Workplace Modification and Accommodation Benefit

  • Occupational Training Benefit

  • Family Transportation Benefit

  • Common Disaster Benefit

  • Seat Belt Benefit

  • Home Alteration and/ or Vehicle Modification Benefit

  • Hospital Indemnity

  • Aircraft Coverage




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