ci comparison 2003

SUPPLIER

Maritime Life

UnumProvident

Manulife

AIG Life

Canada Life

Hartford Life

Empire Financial

Empire

Seaboard Life

Great West Life

RBC

Standard Life

Clarica

PLAN NAME

Critical Needs

Critical Illness Recovery Plan

Lifecheque

Living Benefit 75 - LB 100 - LB 65 - LB 10

LifeAdvance

Rebound

Vital Link Plus

Vital Link

Medical Crisis

Oasis

Critical Illness Insurance

Protecta

Critical Illness Insurance

Release Date

Jan-03

Oct-00

May-00

Oct-01

Jan-03

Jul-99

Oct-99

Mar-01

Jun-99

May-01

Sep-01

Apr-02

STAND ALONE/RIDER

Stand alone or rider on income replacement plans, Universal Solutions and Term Life series

Stand alone and rider on disability plans

Stand alone

Stand alone, LB 10, 75 and Plus available as riders on universal life

Stand alone or rider on universal life (T10 and Permanent Level to 100). Child CI Rider also available on UL

Stand alone

Stand alone or rider on any new or existing Empire policy

Stand alone

Stand alone or rider

Stand alone or Attached to UL(T10)

PLAN TYPE

Level Term to age 75; 10 Year Renewable Term to age 75; 20 Year Renewable Term to age 75

T10 R&C to age 75, Level to age 75, Level to age 100 (options at age 75); Level to age 65, 75 and 75 GSI (gtd renewable, premiums may increase)

Primary Level to age 65; Renewable T10 to age 75; Level Term to age 75; Level to age 100

Level to 75, Level to 100, Term 10, Level paid-up at age 65 (Reduced benefit 50%)

Lifetime paid-up at 100, Level T75, Level T75 paid-up at 65, 10 year renewable to 75 & convertible to 65

10YR renewable to age 75 or level term to age 75

Guaranteed and renewable every 10 years to age 75/ Guaranteed and level to age 75

10 yr renewable to age 75, Level to age 75, Permanent (premiums level to age 100) - A ll plans available as basic or Plus.

Level to age 75, or guaranteed and renewable every 10 years up to the age of 75

Level to age 65, to age 75 & to age 100. Decreasing benefit - 10, 15, 20 & 25 yrs.

Level to age 75, 10 year term renewable to age 75, Level term to age 100

Level to age 75, level to age 75 - step rate, 10 year term R&C to age 75, Level term to age 100

10 year term renewable to age 75, Permanent Level, Basic T-10

COVERAGE PERIOD

to age 75

To age 65, To age 75, To age 100

Primary plan to age 65
To age 75
To age 100

LB 75/10 - to age 75 and LB 65/100 - to age 100

to age 75, to age 100

to age 75

to age 75, life

to age 75

to age 65, 75 or 100 and decreasing benefit - 10,15 20 or 25 years

to age 75, to age 100

to age 75, lifetime

NO. COVERED CONDITIONS

Basic 4, Enhanced 20+

Primary - 4 / Others - 22 (organ transplant as 2)

LB75:19 LB100:14 LB10/65: Basic 3 Enhanced:19

23 (Illness Assist, an NLTC benefit is incl)

3 - Basic,
21 - Plus** (organ transplant as 2)

3 - Basic,
16 - Comprehensive

3 - Basic, 18 Enhanced

3- Base, 18- Plus, 22 Enhanced. Protecta Child: 13 (18 when child age 18)

18 (Basic:4)

ISSUE AGES

Stand alone and rider on Universal Solutions - T75: 18-64; T10: 18-65; Standalone T20: 18-54; Rider on DI - T75 and T10: 18-60; Rider on Term Life - T10: 18-65 (age last)

T10: 18-64, T65: 2-60, T75; T100: 2-65 (age nearest), T75 GSI: 18-65

Primary: 18-55; T10-T100: 18-65; T75 18-64 (age nearest)

18-65 (age last ) LB65:18-55

18-65; 18-60 T75 paid-up at 65 (age nearest)

18-64

18-65 (age nearest)

16-65 (age nearest)

level to age 65; 18-60, to age 75, age 100 and decreasing plans; 18-65 (age nearest)

T75 and T100, 18-65; T10, 18-64 (age nearest)

T75 and T100, 18-65; T10, 18-64 (age nearest) Child 30 days-17

T10, 21-65; Permanent, 21-70; T10 basic, 21-55

ISSUE LIMITS

$25,000 - $2M (for riders, the benefit may not exceed the amount of insurance)

$10,000 - $1,000,000 (Children ages 2-4 $25,000 and 5-17 $100,000- can be increased)

$25,000 - $2M

$50,000 - $1,000,000 LB65: $25,000

$25,000 ($200 prem.)- $1,000,000 (personal coverage), max of $2M for business coverage

$10,000 - $40,000

$25,000 - $1,000,000

$25,000 - $2,000,000

$25,000 - $1,000,000

$10,000 - $1,000,000 (will consider amounts up to $2M on an individual basis)

$10,000 - $1M ($2M available for business)

$25,000 - $2M Child:$50,000 -$250,000

$100,000 - $1M (Basic: $25k, 50k and $75,000)

POLICY FEE

$75 for Stand Alone, reduced by $25 for second & subsequent policies if there is an affinity. NO additional fee is charged when added as a rider to an existing life or DI policy

none

$75 individual
$100 multilife policies

$100 for $50,000 - $99,999
$75 for $100,000+

$75 (OR $400 first year only)

$30

$60. Reduced to $30 for additional policies on the insured, or child or spouse.

$65

$45

$60

$75 (standalone only)

$150 Permanent - $75 Term 10 (basic term - $60)

POLICY BANDS

$25,000 - $99,999 & $100,000 - $2,000,000

$10,000 - $49,999 $50,000-$99,999 $100,000+

$25,000 - $99,999 $100,000 - $249,999 $250,000 - $2,000,000 (coverage level)

N/A

$25,000 - $49,999; $50,000 - $199,999; $200,000 +

$25,000 - $99,999; $100,000 - $249,999; $250,000 - $2M

N/A

$10,000 - $24,999; $25,000 - $99,999; $100,000 - $249,999; $250,000 - $1M; $250,000 - $2M (business)

$25,000 - $99,999; $100,000 - $249,999; $250,000 - $499,999; $500,000 - $2,000,000

< $99,999; $100,000 - $249,999; $250,000 - $499,999; $500,000 +

MODAL FACTORS

.09 - Stand alone, rider on term life; .086 - Rider on DI plans; .0833 - Rider on Universal Solutions

.0875 PAC

0.09 PAC, 0.27 Quarterly & 0.54 Semi Annual

.09 PAC & .52 Semi Annual

0.09 PAC, 0.27 Quarterly & 0.54 Semi Annual (different for policy fee: respectively 0.1, 0.26 and 0.51)

.09 PAC

PAC = .0875 + $0.15

.09 PAC

0.09 PAC, 0.2625 Quarterly & 0.52 Semi Annual

SURVIVAL PERIOD

30 days except Paralysis, Severe Rheumatoid Arthritis (90 days), MS (6 months), Diabetes (12 months) and Loss of Speech (6 months)

30 days, except loss of speech (180 days), MS (6 months) and paralysis (90 days)

30 days except paralysis (90 days); loss of speech (180 days); occupational HIV; MS (6 months)

30 days except paralysis (90 days); MS (6 months); Loss of Speech (180 days)

30 days (some exceptions)

30 days

30 days
except paralysis (90 days), multiple sclerosis (6 months) , loss of speech (180 days)

30 days (except paralysis, multiple sclerosis, loss of speech - all 180 days)

30 days (90 days for paralysis)

30 days unless otherwise specified in any given definition

30 days except paralysis, loss of independent existence (90 days); loss of speech, occupational HIV, MS (180 days). All diagnoses by a physician licensed and currently practicing in Canada.

30 days except occupational HIV (none but procedure, up to 180 days), Paralysis and MS (180 days).

CANCER

Yes (basic)

Yes

Yes (primary)

Yes (Basic LB10, LB65, LB Plus)

Yes

Yes (basic)

Yes

Yes (basic)

Definition

The Diagnosis of a malignant tumour, characterized by the uncontrolled growth and spread of malignant cells and invasion of tissue. Includes leukemia and Hodgkin's disease.

A malignant neoplasm characterized by the uncontrolled growth and spread of malignant cells and tissue.

A tumor characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. Includes leukemia, Hodgkin's disease and non-melanoma skin cancer (not metastasized to distant organs).

Diagnosis of a malignant tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue.

Diagnosis by a Doctor of a malignant neoplasm, which is characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue.

Uncontrolled growth and spread of malignant cells and the invasion of tissue.

A malignancy, which is characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue.

A malignancy characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue.

A tumor characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue.

Diagnosis of a malignant tumour characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. Includes leukemia and Hodgkin's disease.

Diagnosis of an uncontrolled growth of malignant cells and the invasion of tissue. Stage A prostate cancer covered for 10% of SI (to max. $10,000 Base & Plus or $50,000 Enhanced) if diagnosed before age 75.

Presence of malignant cells characterized by the uncontrolled growth of such cells and the invasion of tissue as evidenced by a pathological report. Includes leukemia, lymphoma, Hodgkin's disease and invasive malignant melanoma.

Exclusions

1. Early Prostate Cancer (TNM Classification System - Stage T1, substage T1a); 2. All forms of cancer in the presence of HIV; 3. Any non-melanoma skin cancer, and any melanoma with a depth of 0.75mm or less; and 4. All tumors which are histologically described as pre-malignant, as non-invasive or as cancers in situ. Some of these covered under the NLTC benefit.

1. Prostate cancer diagnosed as T1N0M0 or equivalent staging
2. Non-invasive skin cancer in situ
3. Pre-malignant lesions, benign tumors or polyps
4. Any malignant neoplasm if insured has been infected by HIV
5. Any skin cancer other than malignant melanoma into the dermis or deeper

Excludes carcinoma in situ, any skin cancer, other than malignant melanoma into the dermis or deeper (greater than stage 1A) and early prostate cancer (stages T1a and T1b). Early prostate, ducal breast cancers may be partially covered under Early Intervention Benefit.

1. Early prostate cancer (stage T1A and T1B),
2. Cancer in situ,
3. Any skin cancer except invasive malignant melanoma into the dermis greater than .7mm

1. Early prostate cancer (TNM Classification System - Stage T1a and T1b)
2. Non-invasive cancer in situ
3. Pre-malignant lesions, benign tumours or polyps
4. Any tumors in the presence of any human immuno-deficiency virus (HIV)
5. Any skin cancer other than invasive malignant melanoma greater than 1.0 mm in depth. Some of these may be covered under the Illness Assist benefit.

1. Non-invasive cancer in situ
2. Any skin cancer except invasive malignant melanoma into dermis or deeper
3. Stage A prostate cancer
4. Tumors in the presence of any human immuno-deficiency virus (HIV)
5. Pre malignant lesions, benign tumors or polyps

1. Stage T1NOMO, 2. Stage A prostate cancer, 3. Non-invasive cancer in situ, 4. Tumors in presence of HIV, 5. Skin cancer other than malignant melanoma into the dermis or deeper

1. Early prostate cancer (stage A), diagnosed as T1N0M0 or equivalent staging,
2. Non-invasive cancer in situ,
3. Pre-malignant lesion, benign tumors or polyps
4. Any skin cancer other than invasive malignant melanoma into the dermis or deeper
5. Any tumor in the presence of any HIV

1. Early prostate cancer, diagnosed as T1N0M0 or equivalent staging,
2. Non-invasive cancer in situ,
3. Pre-malignant lesion, benign tumors or polyps
4. Any skin cancer other than invasive malignant melanoma into the dermis or deeper
5. Any tumor in the presence of any HIV

1. Carcinoma in situ
2. Malignant melanoma to a depth of 0.75 mm or less, and any skin cancer that has not spread beyond the deepest layer of the skin
3. Stage A prostate cancer
4. Any tumor in the presence of any HIV

1. Cancer in situ and any skin cancer, other than malignant melanoma into the dermis or deeper; 2. Early prostate cancer (stage A or equivalent staging) 3. Any tumour in the presence of any human immunodeficiency virus (HIV)

1. Carcinoma in situ 2. Kaposi's sarcoma 3. malignant melanoma to a depth of 075mm or less 4. Any other skin cancer that has not spread beyond the deepest layer of the skin.

Benign tumours or polyps; Pre-malignant lesions, Stage A prostate cancer; Cancer in situ which has not spread outside the tissue in which it developed; Clark level 1 or 2 malignant melanomas; basal cell and squamous cell carcinoma of the skin. Tumours in the presence of any human immunodeficiency virus (HIV) covered.

Cancer exclusion period

90 days (issue date, last reinstatement). If a diagnosis is made or any symptoms or medical problems commence within 90 days that initiate any investigations that lead to a diagnosis.
Policy is still inforce , cancer is excluded, NLTC benefit not available.

90 days (issue date, last reinstatement). No benefits will be paid and policy will terminate if the insured is diagnosed with cancer, any sign or symptom of any type of cancer becomes first Manifest, or any medical testing or investigation was initiated which subsequently leads to a diagnosis of any type of cancer.

90 days (issue date, last reinstatement). If a diagnosis is made or any symptoms or medical problems commence within 90 days that initiate any investigations that lead to a diagnosis of any cancer. Policy is still inforce, cancer, any directly related other or Early Intervention condition is excluded.

90 days (issue date, last reinstatement). If any investigation leading to the diagnosis was initiated by any symptom or medical problem within 90 days, the policy will terminate and a refund of premiums will be paid since the later of the issue date or last reinstatement.

90 days (issue date, last reinstatement). If any investigation leading to the diagnosis of cancer was initiated by any symptom or medical problem of yours which commenced within 90 days, the policy will remain inforce and Cancer as well as any condition or surgery directly related to cancer will be excluded - the Illness Assist benefit will also be excluded.

90 days (issue date, last reinstatement). In event of cancer diagnosis within 90 days, the policy will terminate and a refund of premiums will be paid since the later of the issue date or last reinstatement.

Cancer diagnosis within 90 days of the effective date of insurance. All premiums paid will be refunded and the policy will be void.

90 days (issue date, last reinstatement). If diagnosis made within 90 days or as a result of symptoms present within the first 90 days, no benefit would be payable and policy normally terminates. Onwer can request within 30 days to have the policy remain in force, but with cancer excluded.

90 days (issue date, last reinstatement). In event of cancer diagnosis within 90 days of the effective date of coverage, the policy will terminate and all premiums paid will be refunded.

90 days (issue date, last reinstatement). In event of cancer diagnosis or symptoms and/or medical consultations leading to such a diagnosis within 90 days of the effective date of coverage, the coverage will remain inforce but cancer no longer covered or any illness resulting from any cancer or its treatment.

90 days (issue date, last reinstatement). If the insured experiences or has any symptoms associated with cancer within 90 days, no benefit is paid and the policy is terminated .

HEART ATTACK

Yes (basic)

Yes

Yes (primary)

Yes (Basic LB10, LB65, LB Plus)

Yes

Yes (basic)

Yes

Yes (basic)

Definition

The diagnosis by a Cardiologist of the death of a portion of heart muscle as a result of inadequate blood supply. The evidence must be consistent with the diagnosis of a heart attack and must consist of both: new electrocardiograph (ECG) changes compatible with acute myocardial infarction and at least one of the following: elevation of cardiac biochemical markers or elevation of cardiac enzymes, to levels consistent with acute myocardial infarction.

Death of a portion of heart muscle as a result of inadequate blood supply as evidenced by:
1. New ECG changes consistent with heart attack, and
2. Elevation of cardiac enzymes

Death of a portion of heart muscle as a result of inadequate blood supply to the relevant area as evidenced by:
1. New ECG changes indicative of a myocardial infarction, and
2. Elevation of cardiac biochemical markers

Diagnosis by a certified cardiologist of the death of a portion of heart muscle (myocardial infarction) as a result of inadequate blood supply to the relevant area due to a blockage of one or more coronary arteries. Diagnosis must be based on:
1. New ECG changes indicative of a myocardial infarction, and
2. Elevation of cardiac enzymes

The diagnosis by a Doctor of the death of a portion of your heart muscle, as a result of inadequate blood supply to the relevant area. The diagnosis must be based on both of: 1. New ECG changes consistent with a heart attack, and 2. Elevation of cardiac biochemical markers.

Death of a portion of heart muscle as a result of inadequate blood supply as evidenced by:
1. New ECG changes, and
2. Elevation of cardiac enzymes above normal levels and 3. chest pain

Death of a portion of heart muscle, resulting from blockage of one or more coronary arteries, and must be based on both:
1. New ECG changes indicative of myocardial infarction, and
2. Elevation of cardiac enzymes

Death of a portion of heart muscle, resulting from blockage of one or more coronary arteries, and must be based on both:
1. New ECG changes which support the diagnosis of heart attack, and
2. Elevation of cardiac enzymes

Acute presentation of heart symptoms accompanied by the death of a portion of heart muscle as a result of inadequate blood supply and as evidenced by: 1. New ECG changes indicative of a myocardial infarction, and 2. Elevation of cardiac markers

Diagnosis by a certified cardiologist of the death of a portion of heart muscle as a result of inadequate blood supply to the relevant area as evidenced by an episode of: 1. New electrocardiographic (ECG) changes indicative of myocardial infarction, and 2. elevation of cardiac enzymes

Diagnosis of the death of a portion of heart muscle as a result of inadequate blood supply as evidenced by: 1. New electrocardiographic (ECG) changes indicative of myocardial infarction, AND 2. elevation of cardiac biochemical markers to levels considered diagnostic for acute infarction.

Death of a portion of heart muscle, resulting from blockage of one or more coronary arteries, and must be based on both:
1. New ECG changes compatible with a myocardial infarction, and
2. Elevation of cardiac enzymes to levels considered diagnostic for acute infarction.

Exclusions

Does not include elevation of biochemical markers or elevation of cardiac enzymes due to coronary angioplasty unless accompanied by diagnostic changes of a new Q wave infarction on the ECG.

Any ECG changes indicative of a previous heart attack

Chance finding of ECG changes suggestive of a previous heart attack is not covered.

Any ECG changes indicative of a previous heart attack

Any ECG changes indicative of a previous heart attack, elevated cardiac markers after coronary angioplasty.

Incidental finding of ECG changes suggesting a prior myocardial infarction, in the ansence of a corroborating event.

STROKE

Yes (basic)

Yes

Yes (primary)

Yes (Basic LB10, LB65, LB Plus)

Yes

Yes (basic)

Yes

Yes (basic)

Definition

The diagnosis by a neurologist of the infarction of brain tissue, causing measurable and permanent neurological damage.

Transient Ischemic Attacks (TIA) are excluded.

Diagnosis by a neurologist of a cerebrovascular incident due to hemorrhage, thrombosis or embolism, which causes infarction of the brain tissue and results in a measurable neurological deficit that persists for 30 consecutive days. Excludes TIA.

Cerebrovascular event producing neurological sequelae lasting more than 30 days and caused by intracranial thrombosis or hemorrhage or embolism from an extra-cranial source. Must be evidence of objective measurable neurological deficit lasting longer than 30 days.
Excludes TIA

Diagnosis by a certified neurologist of the death of brain tissue, caused by thrombosis, hemorrhage or embolism, producing neurological impairment, resulting in paralysis or other measurable neurological deficit and persisting for at least 30 days following the occurrence of the stroke.
Excludes TIA

Diagnosis by a doctor of a cerebrovascular incident which was caused by haemorrhage, or by infarction of the brain tissue due to thrombosis or embolization. Diagnosis must be supported by medical evidence that the stroke produced permanent measurable neurological deficit which has persisted for at least 30 days.
Excludes TIA

A cerebrovascular event producing permanent, measurable neurological deficit which has persisted for at least 30 days and caused by hemorrhage, infarction of the brain tissue or embolisation from an extra-cranial source

A cerebrovascular incident, causing infarction of brain tissue, due to thrombosis, hemorrhage or embolism, producing measurable neurological impairment persisting for at least 30 days following the occurrence of a stroke.

A cerebrovascular incident, causing infarction of brain tissue, due to thrombosis, hemorrhage or embolism, producing measurable neurological deficit persisting for at least 30 days following the occurrence of a stroke.
Excludes TIA

An acute cerebrovascular incident producing neurological impairment and resulting in paralysis or other measurable objective neurological deficit persisting for at least 30 days following the occurrence of a stroke.
Excludes TIA

Cerebrovascular event producing neurological sequelae lasting more than 30 days and caused by intracranial thrombosis or hemorrhage, or embolism from an extra-cranial source. Must be evidence of measurable, objective neurological deficit. Excludes TIA

Diagnosis by a certified neurologist of any cerebrovascular incident producing neurological sequelae lasting more than 24 hours and including infarction of brain tissue, hemorrhage or embolism from an extra-cranial source. Must be evidence of permanent neurological deficit. Excludes TIA

Diagnosis of a cerebrovascular event producing neurological sequelae lasting more than 30 days and caused by intracranial thrombosis or hemorrhage, or embolism from an extra-cranial source. Must be evidence of measurable, objective neurological deficit. Excludes TIA

Cerebrovascular incident, resulting in a permanent neurological deficit with paralysis or other measurable objective impairement. The incident must be due to intracranial hemorrhage, thrombosis or embolus.
Excludes TIA

CORONARY BYPASS

Yes (basic)

Yes

Yes (primary)

Yes

Yes (basic)

Definition

The undergoing of heart surgery recommended by a Canadian certified cardiologist to correct the narrowing or blockage of one or more coronary arteries with bypass grafts. Emergency by-pass operations performed outside Canada may be considered upon review of hospital records, following return to Canada and a subsequent review by a Canadian certified cardiologist.

Undergoing of heart surgery recommended by a certified cardiologist practicing in Canada, to correct the narrowing or blockage of one or more coronary arteries with bypass grafts

Undergoing of heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass grafts.

Undergoing of heart surgery as recommended by a certified cardiologist to correct narrowing or blockage of one or more coronary arteries with bypass grafts.

Undergoing of surgery on the written advice of a cardiologist to correct narrowing or blockage of one or more coronary arteries with bypass grafts

Undergoing of heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass grafts

Undergoing of heart surgery recommended by a cardiologist licensed and practicing in Canada, to correct the narrowing or blockage of one or more coronary arteries with bypass grafts

Undergoing of heart surgery recommended by a consultant cardiologist licensed and practicing in Canada, to correct the narrowing or blockage of one or more coronary arteries with bypass grafts

Undergoing of heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass grafts. New! Advance Payment amount of the lesser of 10% or $10,000 payable the day of surgery. Balance to be paid at the end of the survival period.

Referred to as Coronary Artery Disease Requiring Surgery - the undergoing of heart surgery performed by a certified cardiologist to correct narrowing or blockage of one or more coronary arteries with bypass grafts.

Undergoing of open heart surgery to correct the narrowing or blockage of one or more coronary arteries with bypass grafts.

Undergoing of heart surgery to correct the narrowing or blockage of one or more coronary arteries with bypass grafts recommended by a cardiologist licensed and practicing in Canada, or acceptable to the company.

Exclusions

Non surgical techniques such as balloon angioplasty, laser embolectomy or any other non-bypass (intra-arterial) techniques.

Non-surgical techniques such as balloon angioplasty, laser relief of an obstruction or any other intra-arterial procedures

Any non-surgical techniques such as balloon angioplasty or laser relief of an obstruction. Coronary angioplasty may be partially covered under Early Intervention Benefit.

Techniques that involve non-invasive procedures such as angioplasty, laser relief of an obstruction, and/or other intra-arterial procedures

Any non-surgical techniques such as balloon angioplasty or laser relief of an obstruction and other intra-arterial procedures

Non-surgical techniques such as balloon angioplasty, laser relief of an obstruction (embolectomy) or any other non-bypass (intra-arterial) techniques

Non-surgical techniques including, but not limited to balloon angioplasty, laser embolectomy or any other non-bypass techniques

Other revascularization techniques, such as balloon angioplasty, laser relief of an obstruction, and other intra-arterial procedures

Any other non-bypass (intra-arterial) techniques such as balloon angioplasty or laser relief of an obstruction.

Non-surgical techniques such as balloon angioplasty or laser, to relieve obstructions.

Angioplasty, atherectomy, laser treatment and other recent techniques developed to relieve blocked arteries without the need for bypass surgery.

KIDNEY FAILURE

Yes

Definition

The diagnosis of end stage renal failure, presenting as chronic irreversible failure of both kidneys to function from any cause, as a result of which regular renal dialysis or renal transplant is initiated. Diagnosis is made on the earlier of the date the Insured is enrolled in a transplant program or when renal dialysis is initiated.

Chronic, irreversible failure of both kidneys to the point of end stage renal disease, requiring regular renal dialysis

End stage chronic irreversible failure of both kidneys, with the insured undergoing regular peritoneal dialysis or hemodialysis or having had renal transplantation

Diagnosis by a certified nephrologist of chronic irreversible failureof both kdneys (end stage renal diseases) that requires undergoing regular dialysis.

Chronic, irreversible failure of both kidneys (end stage renal disease) which requires you to be undergoing regular dialysis

Permanent, irreversible failure of both kidneys (end stage renal disease) which necessitates kidney transplantation or regular dialysis

Irreversible failure of both kidneys from any cause which necessitates treatment by regular peritoneal dialysis or hemodialysis or kidney transplantation

Irreversible failure of both kidneys which necessitates regular treatment by peritoneal dialysis or hemodialysis or a kidney transplant

Permanent irreversible failure of both kidneys which necessitates treatment by regular peritoneal dialysis or hemodialysis or a kidney transplantation

End stage renal disease resulting in chronic irreversible failure of both kidneys to function. Regular hemodialysis, peritoneal dialysis renal transplantation must be initiated

Diagnosis by a certified nephrologist of end stage renal disease of both kidneys, due to whatever cause or causes, with the Insured undergoing regular peritoneal dialysis or hemodialysis or having had renal transplantation.

Diagnosis by a doctor of end stage renal disease presenting as chronic irreversible failure of both kidneys, as a result of which either regular hemodialysis, peritoneal dialysis or renal transplantation is necessary.

Irreversible failure of both kidneys necessitating kidney dialysis.

MAJOR ORGAN TRANSPLANT

Yes

Yes - 5 organs covered

Yes

Definition

The irreversible failure of the heart, liver, lung or bone marrow requiring receipt of a transplant of that organ or tissue, resulting in the Insured being accepted in a recognized organ transplant program in Canada/US. Diagnosis is made on the date enrolled in a transplant program NOTE: Kidney is not specifically covered in this def'n as total kidney failure & the resulting transplant would be covered under "Kidney Failure" condition

Irreversible failure of any of the liver, bone marrow, both lungs or both kidneys or entire heart, requiring receipt of a transplant of at least one entire such organ or resulting in insured being accepted in a recognized organ or bone marrow transplant program in Canada

Two conditions: 1) Major Organ Transplantation: Diagnosis of irreversible failure of heart, both lungs, liver, pancreas, both kidneys or bone marrow and actual undergoing as a recipient of a transplant of heart, lung, liver, kidney or bone marrow. 2) Waiting List: the date of diagnosis is the date of enrolment in recognized transplant program.

Failure of a vital body organ, necessitating transplantation of any of the following organs or tissues: heart, liver, lung, kidney, bone marrow or pancreas (except the transplant of islet cells). The survival period commences on the earlier of a) the date the insured undergoes transplantation, as recipient, b) the date the insured becomes enrolled in a recognized organ or bone marrow transplant program in Canada.

Undergoing surgery as the recipient for transplantation of one or more of the following: liver, both kidneys, both lungs, entire heart, or bone marrow. To qualify, you must either: a) Undergo surgery or; b) become enrolled in a recognized transplant program in Canada or the US. The waiting period shall be 30 consecutive days immediately following the date of enrollment.

The actual undergoing as a recipient of a transplant of heart, lung, liver, kidney or bone marrow

The undergoing of surgery, as a recipient by transplant of any of the following: heart, liver, lung, kidney or bone marrow

**They have 2 covered conditions for this:
1.Transplant of a vital organ
2. Failure of a vital organ requiring transplant
1. Undergoing surgery as a transplant recipient of any of the following: heart, liver, bone marrow, lung or kidney.
2. Irreversible failure of the heart, liver, bone marrow, both lungs, or both kidneys requiring receipt of a transplant of that organ or tissue. Person insured must be accepted into a recognized transplant program in Canada.

Irreversible failure of the heart, liver, bone marrow, both lungs or both kidneys requiring a transplant of that organ resulting in insured being accepted in a recognized organ transplant program in Canada. Insured must survive at least 30 days following the date of enrollment into the transplant program.

Receipt by transplant surgery of a heart, lung, liver, kidney, pancreas or bone marrow, as a result of the failure of such organ or tissue. The replacement organ or tissue must be from a donor suitable under generally accepted medical procedures. Date of critical condition is earlier of being placed on a transplant list or having the surgery .

Diagnosis by a physician of the failure of the heart, lung, liver, pancreas, kidney or bone marrow and that transplantation is necessary. To qualify for the benefit, insured must either ; 1. Undergo surgery , as the recipient, for transplantation of one or more of the organs or bone marrow, or 2. become enrolled in a recognized program as a recipient in Canada for heart, lung, liver, pancreas, kidney or bone marrow.

Receipt of a heart, lung, kidney or liver, the receipt of bone marrow, to correct the irreversible failure of one of these. Transplantation must be medically necessary. to qualify for Waiting List, the insured must become enrolled as the recipient in a recognized program in Canada for one or more of the organs or bone marrow specified under this provision. For the Survival Period, the date of the diagnosis is the date of the enrollment in such a transplant program takes effect.

Major organ failure requiring transplant: Irreversible failure of the heart, liver, bone marrow, both lungs or both kidneys requiring receipt of a transplant of that organ. The insured must be accepted in a transplant program satisfactory to the company.

BLINDNESS

Yes

Definition

Diagnosis by an ophthalmologist of permanent and uncorrectable loss of sight in both eyes. The corrected visual acuity must be equal to or worse than 20/200 in both eyes or the field of vision must be less than 20 degrees in both eyes.

Permanent and uncorrectable severe loss of sight in both eyes, as confirmed by an ophthalmologist. The corrected visual acuity must be worse than 20/200 or field of vision must be less than 20 degrees in each eye.

Total and irreversible loss of vision in both eyes, as confirmed by an ophthalmologist registered to practice in Canada. The corrected visual acuity must be worse than 20/200 in each eye or field of vision must be less than 20 degrees in both eyes

Diagnosis by a certified ophthalmologist of a permanent and uncorrectable loss of sight in both eyes. The corrected visual acuity must be worse than 20/200 in both eyes or field of vision must be less than 20 degrees in both eyes

Permanent and uncorrectable loss of sight in both eyes, as confirmed by an ophthalmologist. The corrected visual acuity must be worse than 20/200 in both eyes or field of vision must be less than 20 degrees in both eyes

Permanent loss of sight in both eyes, as confirmed by an ophthalmologist licensed/practicing in Canada. The corrected visual acuity must be less than 20/200 in both eyes or field of vision must be less than 20 degrees in both eyes

Permanent loss of sight in both eyes, as confirmed by an ophthalmologist, with the corrected visual acuity being less than 20/200 or field of vision less than 20 degrees in both eyes

Permanent loss of sight in both eyes, as confirmed by an ophthalmologist registered and licensed to practice in Canada, with the corrected visual acuity being 20/200 or less in both eyes or the field of vision less than 20 degrees in both eyes

Irreversible loss of sight in both eyes with either the corrected visual acuity being less than 20/200 in both eyes or the field of vision being less than 20 degrees in both eyes. Diagnosis must be made by an ophthalmologist.

Permanent loss of sight in both eyes as confirmed by an ophthalmologist registered to practice in Canada, the US or other jurisdiction we may approve. The corrected visual acuity must be worse than 20/200 in both eyes or the field of vision must be less than 20 degrees in both eyes.

Diagnosis by a ophthalmologist of the total and irreversible loss of vision in both eyes. The corrected visual acuity must be 20/200 or less in each eye, or field of vision must be less than 20 degrees in both eyes

Permanent and irreversible loss of sight in both eyes, as confirmed by an ophthalmologist licensed/practicing in Canada, or other acceptable to the company with the corrected visual acuity being less than 20/200 or field of vision less than 20 degrees in both eyes

DEAFNESS

Yes

Definition

The diagnosis by an otolaryngologist of permanent and uncorrectable loss of hearing in both ears, with an auditory threshold of no less than 90 decibels across the entire frequency range.

Permanent and severe loss of hearing in both ears, with an auditory threshold of more than 90 decibels, as confirmed by an otolaryngologist.

Total and irreversible loss of hearing in both ears, with an auditory threshold of 90 decibels or more within the speech treshold of 500 to 3,000 cycles per second.

Diagnosis by a certified otolaryngologist of a permanent and uncorrectable loss of hearing in both ears, with an auditory threshold of more than 90 decibels in each ear.

Permanent loss of hearing in both ears, with an auditory threshold of more than 90 decibels in each ear, as confirmed by an otolaryngologist.

Permanent loss of hearing in both ears, with an auditory threshold or more than 90 decibels, as confirmed by an otolaryngologist.

Permanent loss of hearing in both ears. Loss of hearing suffered, as confirmed by an otolaryngologist, with an auditory threshold of more than 90 decibels

Permanent loss of hearing in both ears, with an auditory threshold of more than 90 decibels in each ear, as diagnosed by an otolaryngologist. The Person Insured will not be covered for temporary deafness.

Permanent and profound loss of hearing in both ears, with an auditory threshold of more than 90 decibels, as confirmed by an otolaryngologist registered and licensed to practice in Canada.

Irreversible loss of hearing in both ears, with an auditory threshold averaging 90 decibels or greater at frequencies of 500, 1000 and 2000 hertz in each ear

Permanent loss of hearing in both ears, with an auditory threshold of more than 90 decibels in both ears, as confirmed by an otolaryngologist registered to practice in Canada, the US or any other jurisdiction we may approve.

Diagnosis by a otolaryngologist of the total and irreversible loss of hearing in each ear, with an auditory threshold of 90 decibels or greater.

Permanent and irreversible loss of hearing in both ears, with an auditory threshold of more than 90 decibels in each ear, as diagnosed by an otolaryngologist licensed/practising in Canada or acceptable to the company.

SEVERE BURNS

Yes

Definition

Third degree burns over at least 20% of the body surface.

Third degree burns covering at least 20% of the surface area of the body. Diagnosis must be made by a plastic surgeon

Diagnosis by a doctor of third degree burns covering at least 20% of the surface area of the body.

Third degree burns covering at least 20% of the surface area of the body. Diagnosis must be made by a plastic surgeon.

N/A

Third degree burns covering at least 20% of the surface area of the body. Diagnosis must be made by a plastic surgeon.

Third degree burns covering at least 20% of the surface area of the Person Insured's body. Diagnosis must be made by a plastic surgeon.

Third degree burns covering at least 20% of the surface area of the body of the insured. Diagnosis must be made by a plastic surgeon licensed and practicing in Canada.

Third degree burns over at least 20% of the body surface as measured by the Lund and Browder Chart

The diagnosis by a physician, who is a certified plastic surgeon, that the Insured has sustained third degree burns covering at least 20% of the surface area of the body.

The diagnosis by a physician, who is a plastic surgeon, of third degree burns covering at least 20% of the body's surface area.

Third degree burns, as a result of a single event, over at least 20% of the body surface.

MOTOR NEURON DISEASE

Yes

Yes (not on LB100)

Yes

Only ALS

Yes

Definition

A definite diagnosis of motor neuron disease, confirmed by a consultant neurologist. This includes and is limited to the following: amyotrophic lateral sclerosis (ALS or Lou Gehrig's disease), primary lateral sclerosis, progressive spinal muscular atrophy, progressive bulbar palsy, or pseudo bulbar palsy.

A diagnosis by a neurologist of: ALS, Progressive bulbar palsy, Progressive pseudo bulbar palsy, Progressive muscular atrophy, Primary lateral sclerosis

An unequivocal diagnosis of one of the following:
Amyotrophic lateral sclerosis (ALS or Lou Gehrig's disease), Primary lateral sclerosis, Progressive spinal muscular atrophy, Progressive bulbar palsy, Pseudo bulbar palsy and limited to these entities

The unequivocal diagnosis by a certified neurologist, of one of the following:
Amyotrophic lateral sclerosis (ALS or Lou Gehrig's disease), Primary lateral sclerosis, Progressive spinal muscular atrophy, Progressive bulbar palsy, or Pseudo bulbar palsy and limited to these entities
Note: full benefit if diagnosed before age 75, 50% between 76 and 85, no benefit after that.

The unequivocal diagnosis by a certified neurologist of any of the following diseases: Amyotrophic Lateral Sclerosis (ALS or Lou Gehrig's), progressive bulbar palsy, progressive pseudo bulbar palsy, progressive muscular atrophy and primary lateral sclerosis.

N/A

An unequivocal diagnosis by a neurologist, of one of the following: Amyotrophic Lateral Sclerosis (ALS or Lou Gehrig's), Primary Lateral Sclerosis, Progressive Spinal Muscular Atrophy, Progressive Bulbar Palsy or Pseudo Bulbar Palsy - other variations of Motor Neuron are not covered.

The unequivocal diagnosis of ALS by a neurologist licensed and practicing in Canada.

Upper or lower motor neuron degeneration progressing over a period of at least 6 months and resulting in one of the following: definite ALS, primary lateral sclerosis, progressive muscular atrophy, progressive bulbar palsy. Diagnosis must be made by a neurologist.

A diagnosis prior to the Insured's age 75 by a physician who is a certified neurologist, of one of the following specific conditions: amyotrophic lateral sclerosis, progressive spinal muscular atrophy, progressive bulbar palsy or pseudo bulbar palsy.

The unequivocal diagnosis by a doctor of one of the following: Amyotrophic Lateral Sclerosis (ALS or Lou Gehrig's), primary lateral sclerosis, progressive spinal muscular atrophy, progressive bulbar palsy, or pseudo bulbar palsy.

A definite diagnosis by a neurologist licensed/practicing in Canada or acceptable by the company, of Amyotrophic Lateral Sclerosis (ALS or Lou Gehrig's), Primary Lateral Sclerosis, Progressive Spinal Muscular Atrophy, Progressive Bulbar Palsy or Pseudo Bulbar Palsy.

MULTIPLE SCLEROSIS

Yes

Definition

A definite diagnosis of multiple sclerosis by a neurologist, confirmed by modern imaging techniques. There must be a current documented impairment of motor or sensory function that must have persisted for a continuous period of at least 6 months. The survival period will be satisfied at the later of the following dates: 30 days following confirmation of the diagnosis, or at the end of the 6 month period of impairment.

Insured has had either: 1) an episode of well-defined neurological abnormalities that is sustained over a continuous period of at least 6 months; or 2) multiple episodes of well-defined neurological abnormalities, along with objective evidence of lesions at more than 1 site within the central nervous system. Diagnosis of MS must be made by a neurologist and supported by the results of modern investigative techniques.

An unequivocal diagnosis of definite MS by a neurologist, of well defined neurological abnormalities, evidenced by typical symptoms of demyelination with resultant impairment of the brain stem or spinal cord as confirmed by an MRI or imaging techniques, persisting for a continuous period of at least 6 months and occurring in two seperate episodes. Insured not necessarily confined to a wheelchair.

An unequivocal diagnosis of definite MS by a certified neurologist. Must be based on well defined neurological abnormalities persisting for a continuous period of at least 6 months and confirmed by modern imaging techniques.

Unequivocal diagnosis by a neurologist, of at least 2 episodes of well-defined neurological abnormalities , with objective evidence of lesions at more than one site within the central nervous system. Diagnosis must be based on modern investigative techniques.

Unequivocal diagnosis by a neurologist of at least 2 episodes, with at least one episode lasting for a continuous period of at least 6 months and confirmed by modern imaging techniques.

At least 2 episodes of well-defined neurological abnormalities lasting for a continuous period of at least 6 months

Unequivocal diagnosis by a neurologist, of well-defined neurological abnormalities lasting for a continuous period of at least 6 months, and confirmed by modern imaging techniques such as image scanning. Neurological abnormalities must be evidenced by the typical symptoms of demyelination with resultant impairement of the brain stem or spinal cord, but the Insured not neceesarly confined to a wheelchair.

Unequivocal diagnosis by a neurologist registered and licensed to practice in Canada of at least 2 episodes of well-defined neurological abnormalities, lasting for a continuous period of at least 6 months and confirmed by modern investigative techniques including, but not limited to, MRI and CAT scans.

Clinically definite multiple sclerosis as diagnosed by a neurologist with at least 2 separate clinically documented episodes of well defined neurological abnormalities separated by at least 1 month and persisting for a continuous period of at least 6 months; and with objective evidence of lesions at more than 1 site within the central nervous system as confirmed by modern investigative or imaging techniques

A diagnosis of MS by a certified neurologist of well-defined neurological abnormalities persisting for a continuous period of at least 6 months, and confirmed by modern investigative techniques such as image scanning. Neurological abnormalities in this context must be evidenced by the typical symptoms of demyelination with resultant impairment of the brain stem or spinal cord, but the Insured need not be confined to a wheelchair.

An unequivocal diagnosis by a neurologist of Multiple Sclerosis, characterized by at least 2 episodes of well-defined neurological abnormalities, with objective evidence of lesions at more than one site within the central nervous system. Neurological abnormalities must persist for a continuous period of at least 6 months and must be confirmed by modern imaging techniques.

Definite diagnosis by a neurologist licensed/practicing in Canada or acceptable by the company, of at least 2 episodes of well-defined neurological abnormalities , with objective evidence of demyelinating lesions at more than one site within the central nervous system. Diagnosis must be confirmed by modern imaging techniques and eliminate other potential causes of neurological symptoms.

PARALYSIS

Yes (included with Loss of Limbs under one condition)

Yes

Definition

Diagnosis of 1. total and permanent loss of the use of 2 or more limbs for a continuous period of 90 days during which there has been no sign of improvement OR 2. complete and irreversible severance of two or more limbs at or above the wrist or ankle joints as the result of accidental injury or medically required amputation. Severance of limbs due to a psychiatric or psychological condition is explicitly excluded.

Complete and permanent loss of functional use of two or more limbs as a result of an accidental injury, physical disease or disorder, and not as a result of psychiatric or psychological illness, disease or condition for a continuous period of 90 days.

Complete and permanent loss of use of 2 or more limbs for a continuous period of 90 days following the precipitating event, during which time there has been no sign of improvement. All psychiatric related causes specifically excluded.

The diagnosis by a certified neurologist of the complete and permanent loss of functional use of two or more limbs as a result of physical paralysis caused by accident, illness or disease, supported by medical evidence that such paralysis has persisted for a consecutive period of 90 days.

Complete and permanent loss of the use of two or more limbs as a result of physical paralysis, for a continuous period of 90 days, confirmed by a physician.

Complete and permanent loss of the use of two or more limbs as a result of physical paralysis, for a continuous period of 180 days, confirmed by a physician.

Complete and permanent loss of use of two or more limbs for a continuous period of 180 days, confirmed by a physician licensed and practicing in Canada

Complete and permanent loss of the use of two or more limbs through paralysis, for a continuous period of 90 days, confirmed by a physician

Paralysis resulting in complete and permanent loss of use of two or more limbs without interruption for a period of 180 days. At the end of such period, the specialist must certify that the paralysis is complete and permanent.

Total loss of voluntary movement of both arms, both legs, or one arm and one leg as a result of injury or disease of the nerve supply. Survival period is 90 days, the paralysis must be continuous without any sign of improvement.

The diagnosis by a physician certified as a neurologist of the complete and permanent loss of use of two or more limbs for a continuous period of 90 days following the precipitating event, during which there has been no sign of improvement.

The diagnosis by a doctor of the complete and permanent loss of use of two or more limbs for a continuous period of 90 days following the precipitating event, during which there has been no sign of improvement. All psychiatric causes are specifically excluded.

Complete and permanent loss of the use of two or more limbs resulting from a neurological deficit with measurable objective impairement, for a continuous period of 180 days, confirmed by a neurologist licensed/practicing in Canada or acceptable by the company. The paralysis of one limb, together with the complete and permanent severance through or above the elbow or knee joint of a second limb is also covered.

COMA

Yes

Definition

The diagnosis of a state of unconsciousness with no reaction to external stimuli or internal needs, for a continuous period of at least 96 hours. Use of life support not required.

State of unconsciousness from which insured couldn't be aroused and during which external stimulation produced no more than primitive avoidance reflexes, for a continuous period of at least 96 hours.

State of unconsciousness with no reaction to external stimuli or response to internal needs, for a continuous period of at least 4 days. Life support systems must be required throughout the period of unconsciousness.

Diagnosis by a neurologist of a deep state of unconsciousness with no reaction to external stimuli or internal needs, persisting continuously with the use of life support systems for a period of at least 96 hours and resulting in permanent neurological deficit. Coma secondary to alcohol or drug misuse is not covered.

State of unconsciousness, determined by a certified Neurologist from which cannot be aroused and in which external stimulation produced no more than primitive avoidance reflexes. This state must persist for at least 96 hours.

N/A

State of unconsciousness with no reaction to external stimuli persisting continuously for 96 hours

State of unconsciousness with no reaction to external stimuli and persisting continuously with the use of life support systems for a period of at least 96 hours. Diagnosis must be made by a Neurologist

State of unconsciousness with no reaction to external stimuli, for a continuous period of at least 96 hours. Diagnosis must be made by a Neurologist licensed and practicing in Canada

State of unconsciousness with no reaction to external stimuli or response to internal needs, for a continuous period of 4 days . Life support systems must be required throughout the period of unconsciousness.

The diagnosis by a physician certified as a neurologist of a state of unconsciousness, with no reaction to external stimuli or response to internal needs, continuing for at least 4 days . Life support systems must be required throughout the period of unconsciousness.

The diagnosis by a doctor, who is a neurologist, of a state of unconsciousness from which the Insured cannot be aroused and in which external stimulation will produce no more than primitive avoidance reflexes. To qualify for this condition, the diagnosis must also be supported by medical evidence that such a state of unconsciousness has persisted continuously for a period of at least 96 hours.

State of unconsciousness with no reaction to external stimuli or response to internal needs for a continuous period of 7 days . Coma resulting from alcohol or drug abuse is not covered.

ALZHEIMER'S DISEASE

Yes

N/A

Yes

Definition

A definite diagnosis of Alzheimer's Disease by either a certified neurologist or psychiatrist. This diagnosis must be supported by evidence of a progressive degeneration of the brain, memory & ability to reason and perceive. Must also be loss of intellectual capacity involving impairment of memory and judgement, resulting in a significant reduction of mental and social functioning & requiring continuous daily supervision. Survival period will be satisfied at the later of the following dates: 30 days following confirmation, or when the need for continuous daily supervision arises.

Diagnosis by a certified neurologist or psychiatrist, progressive degenerative disease of the brain that impairs memory, judgment and social functioning to the extent that an adult person's supervision for daily living is required & neurologists consider to be Alz's rather than other dementing brain disorder/psychiatric illnesses. The degree of impairment must be confirmed by clinical evidence and standardized clinical tests that reliably measure a severe impairment of all of the following: 1) short-term or long-term memory; 2) orientation as to person, place and time; and 3) deductive and abstract reasoning.

Diagnosis by a neurologist or certified psychiatrist & supported by evidence of progressive degeneration of the brain. The insured must exhibit loss of intellectual capacity involving impairment of memory and judgment, which results in a significant reduction of mental and social functioning, as to require continuous daily supervision. Excludes all other dementing organic brain disorders & psychiatric illnesses.

Diagnosis by a neurologist or psychiatrist of a progressive degenerative disease of the brain causing a progressive decline in intellectual functions. The insured must have such a loss of intellectual capacity, including memory and judgment, as to require continuous supervision in usual daily living activities. 100% before age 76, 50% between 76-85, no benefit if after age 85.

Progressive degenerative disease of the brain; you must exhibit loss of intellectual capacity resulting in impairment of your memory and judgment, which results in a significant reduction of your mental and social functioning, such that you require continuous supervision in usual daily living activities. Diagnosis must be determined by a certified neurologist or certified psychiatrist.

N/A

Diagnosed by a neurologist. Insured must exhibit loss of intellectual capacity involving impairment of memory and judgment, which results in a significant reduction in mental and social functioning, such that the Insured requires personal supervision for daily living. Excludes all other dementing organic brain disorders and psychiatric illnesses.

N/A

Progressive deterioration of memory and ability to reason and perceive, understand, express and give effect to ideas. Severity is such that insured is incapable of independent living and requires a minimum of 8 hours of daily supervision. Does not include any other dementing brain disorders or psychiatric illnesses. Note: benefit payable is 100% if diagnosed before 75th birthday, 75% if after.

The diagnosis prior to the Insured's attained age 75 by a physician, who is either a certified neurologist or a certified psychiatrist, that the Insured has Alzheimer's disease, supported by evidence of a progressive degeneration of the brain, memory and the ability to reason and perceive. The Insured must exhibit the loss of intellectual capacity involving impairment of memory and judgement, which results in such a significant reduction of mental and social functioning, as to require continuous daily supervision. All other dementing organic brain disorders and psychiatric illnesses are specifically excluded.

Diagnosis by a doctor, who is a neurologist, psychiatrist or gerontologist, of Alzheimer's disease, which is a progressive degenerative disease of the brain. The insured must exhibit the loss of intellectual capacity involving impairment of memory and judgment, which results in a significant reduction in mental and social functioning, to such a degree as to require continuous daily supervision. All other dementing organic brain disorders and psychiatric illnesses are specifically excluded.

Definite clinical diagnosis, by a certified neurologist or psychiatrist licensed/practising in Canada or acceptable to the company, of a progressive degenerative disease of the brain where the insured person has a significant reduction in mental and social functioning, as demonstrated by a loss of intellectual capacity and cognitive impairement, impaired memory and sense of judgment, as to require continuous adult supervision for health and safety. Excludes any other form or cause of organic dementia and psychiatric illnesses.

LOSS OF SPEECH

Yes

Definition

The diagnosis by a specialist physician of total and permanent loss of the power of speech for a continuous period of 6 months. The survival period is satisfied at the end of the 6 month period.

Total, permanent and irreversible loss of ability to speak for a continuous period of 180 days, as a result of physical injury or physical disease, and not due to any psychiatric or psychological illness, disease or condition. Diagnosis must be made by a specialist.

Total and irreversible loss of the ability to speak as the result of physical injury or disease which must be established for a continuous period of at least 180 days. All psychiatric related cases are specifically excluded.

Diagnosis by an appropriate certified specialist of a total, permanent and irreversible loss of the ability to speak as a result of physical injury or disease, excluding psychiatric causes, lasting for a continuous period of 180 days.

Total, permanent, and irreversible loss of ability to speak as a result of a physical injury/disease lasting for continuous period of 365 days. Diagnosis must be made by specialist physician

N/A

Total permanent and irreversible and lasting for a continuous period of 12 months

Total, permanent, and irreversible loss of ability to speak due to physical injury or physical disease lasting for at least 180 days. Diagnosis must be made by a doctor certified in a medically appropriate specialty

Total, permanent, and irreversible loss of ability to speak due to physical injury or physical disease lasting for a continuous period of 180 days. Diagnosis must be made by an appropriate specialist physician licensed and practicing in Canada

Total and irreversible loss of the ability to speak due directly to damage to the vocal cords as the result of injury or disease

The diagnosis by the appropriate certified specialist of the total and irreversible loss of the ability to speak as the result of physical injury or disease which must be established for a continuous period of at least 180 days. All psychiatric-related cases are specifically excluded.

The diagnosis by a doctor of the total and irreversible loss of the ability to speak, as the result of physical injury or disease, which must be established for a continuous period of at least 180 days. All psychiatric causes are specifically excluded.

n/a

LOSS OF LIMBS

Yes

Yes (included with paralysis under one condition)

Yes

Yes (not on LB100)

Yes

Definition

See definition for Paralysis and Loss of Limbs above.

Irreversible severance of two or more limbs from above the wrist or ankle joint as the result of an accident or medically required amputation. Waiting period of 30 days.

Irreversible severance of two or more limbs from above the wrist or ankle joint as the result of an accident or medically required amputation.

The total and permanent loss of any 2 of your limbs. Loss of a limb shall mean the complete severance at or above the wrist or ankle.

N/A

Diagnosis, by a physician of the complete and permanent loss of the use of 2 or more limbs through dismemberment. Waiting period is 180 days.

Total and permanent "loss" of any 2 limbs. "Loss" as used with reference to arm or leg means complete severance at or above the elbow or knee joint.

Complete severance of 2 or more limbs at or above the wrist or ankle joint as the result of injury or medically required amputation

The irreversible severance of two or more limbs from above the wrist or ankle joint as the result of an accident or medically required amputation.

Diagnosis by a doctor of the irreversible severance of two or more limbs from above the wrist or ankle joint as the result of an accident or medically required amputation.

Complete and permanent severance of 2 or more limbs through or above the elbow or knee as confirmed by a physician licensed/practising in Canada or acceptable to the company.

PARKINSON'S DISEASE

Yes

Yes (not on LB100)

Yes

N/A

Yes

Definition

A definite diagnosis of idiopathic Parkinson's Disease (paralysis agitans), confirmed by a consultant neurologist. This disease is characterized by at least two of the following manifestations: muscle rigidity; tremor and bradykinesia. All other types of Parkinsonism are specifically excluded.

Diagnosis by a certified neurologist of primary idiopathic Parkinson's Disease, characterized by two or more of the following:
a) tremor;
b) muscle rigidity;
c) bradykinesia

Diagnosis by a neurologist, that the insured has primary idiopathic Parkinson's Disease, characterized by two or more clinical manifestations of the following: a) tremor; b) muscle rigidity; c) bradykinesis (abnormal slowness of movement, sluggishness of physical and mental responses). Insured must require assistance from another adult to perform two or more of the activities of bathing, dressing, toileting, transferring and eating.

Diagnosis by a certified neurologist, that the insured has primary idiopathic Parkinson's Disease, characterized by two or more clinical manifestations of the following: a) tremor; b) muscle rigidity; c) bradykinesis (abnormal slowness of movement, sluggishness of physical responses). All other types of Parkinsonism are specifically excluded.
Full benefit if diagnosed before age 76, 50% between age 76 and 85, no benefit after that.

Diagnosis by a certified neurologist, that you have primary idiopathic Parkinson's Disease, characterized by two or more of the following: a) tremor; b) muscle rigidity; c) akinesia. All other types of Parkinsonism are specifically excluded.

Yes

Diagnosis by a certified neurologist of primary idiopathic Parkinson's Disease, characterized by the clinical manifestation of two or more of the following symptoms:
a) tremor;
b) rigidity;
c) bradykinesis (abnormal slowness of movement, sluggishness of physical and mental responses). All other types of Parkinsonism are excluded.

N/A

Diagnosis of permanent Parkininson's disease, resulting in significant neurological impairment or in loss of cognitive function, degree of which must be sufficient to cause an inability to perform two or more of the following 6 activities of daily living while participating in a generally accepted drug treatment program: dressing, toileting transferring, feeding, driving, mobility. Note: benefit payable is 100% if diagnosed before 75th birthday, 75% if after.

The diagnosis prior to the Insured's attained age 75 by a physician, who is a certified neurologist, that the Insured has primary idiopathic Parkinson's disease which is characterized by two or more of the following clinical manifestations: muscle rigidity, tremor, Bradykinesis (abnormal slowness of movement, sluggishness of physical and mental responses). All other types of Parkinsonism are specifically excluded.

Diagnosis by a neurologist, licensed and practising in Canada, of primary idiopathic Parkinson's Disease, which is characterized by a minimum of two or more of the following clinical manifestation:
a) muscle rigidity;
b) tremor;
c) bradykinesis (abnormal slowness of movement, sluggishness of physical and mental responses). All other types of Parkinsonism are specifically excluded.

Diagnosis by a neurologist, specialized in Parkinson's, licensed/practising in Canada or acceptable to the company, of primary idiopathic Parkinson's Disease, characterized by the clinical manifestation of two or more of the following symptoms:muscle rigidity, tremors or bradykinesis (abnormal slowness of movement, sluggishness of physical and mental responses). In addition, requires adult assistance to perform two or more of the following 6 activities of daily living: bathing, dressing, feeding, toileting, transferring, continence. Excludes any other degenerative disorder, any other causes for these symptoms.

BENIGN BRAIN TUMOR

Yes

Yes (not on LB100)

Yes

Definition

A non-malignant tumor in the brain resulting in permanent deficit to the neurological system. Permanent deficit is defined as continuous, residual neurological deficit, as a result of the tumor, as evidenced by physical examination. Examples of deficit include impaired speech, sight or walking. Tumors or lesions in the pituitary gland are not covered.

The diagnosis by a Physician of a benign neoplasm within the substance of the brain or the meninges. Cysts, granulomas, meningiomas, malformations of the intracranial arteries and veins; tumours or lesions of the pituitary are not covered.

The diagnosis of a tumour arising from the brain or meninges, confirmed by biopsy or surgical excision. Tumours of the bony cranium and pituitary microadenomas (less than 10 mm) are excluded.

A non-malignant tumor in the brain resulting in permanent deficit to the neurological system. Permanent deficit is defined as continuous, residual neurological deficit, as a result of the tumor, as evidenced by physical examination. Tumors or lesions in the pituitary gland are not covered.

The diagnosis by a Doctor of a benign brain tumour within the substance of the brain. Cysts, granulomas, meningiomas, malformations of the intracranial arteries or veins, tumours of the cranial nerves, pituitary or spinal cord are all excluded.

The diagnosis of a benign (non-cancerous) tumour within the substance of the brain. Cysts, granulomas, meningiomas, malformations of the intracranial arteries or veins, or tumours of the cranial nerves, pituitary gland or spinal cord are excluded.

A benign tumor within the substance of the brain. Excluded are cysts, granulomas, meningiomas, malformations of the intracranial arteries or veins, or tumors of the cranial nerves, pituitary or spinal cord.

N/A

The diagnosis by a doctor of a tumour arising from the brain or meninges. The benign histologic nature of the tumour must be confirmed by examination of tissue by biopsy or surgical excision. Tumours of the bony cranium and pituitary microadenomas (less than 10 mm in diameter) are excluded.

The diagnosis confirmed neuro-radiologically by a specialist trained in the interpreatation of these investigations, licensed/practising in Canada or aceptable by the company, of tumour arising from the brain or meninges. Excludes tumours of the skull, pituitary microadenomas less then 10 mm in diameter.

OCCUPATIONAL HIV

Yes

Yes (not on LB100)

Yes

Definition

The Diagnosis of infection with the Human Immunodeficiency Virus (HIV), provided all the following criteria are met: 1) Infection must arise during the normal course of duties for an occupation that has established reporting procedures for such events. This includes but is not limited to the following occupations: any occupation that provides accident and emergency, medical, dental or nursing services; the police force; or the prison service

HIV infection as a result of accidental injury which: 1) occurred in Canada or the US after issue date or last reinstatement; 2) occurred during the course of normal occupation; and 3) exposed insured to HIV-contaminated blood or bodily fluids.

Diagnosis of HIV resulting from accidental injury during the course of the insured's normal occupation which exposed the insured to HIV contaminated blood or bodily fluids.

Diagnosis of HIV resulting from accidental injury during the course of the insured's normal occupation which exposed the insured to HIV contaminated blood or bodily fluids, provided all the following are met: 1) an HIV test must be taken within 14 days of the accidental injury and the result must be negative 2) an HIV test must be taken 90 days and 180 days after the accidental injury and the result must be a confirmed positive

Diagnosis that you are seropositive for antibodies to HIV and all of the following requirements have been satisfied: HIV infection is caused directly by accidental bodily injury, occurring in Canada, and which exposed you to HIV contaminated blood or bodily fluids while you were engaged in the duties of your regular occupation; Within 14 days after the date of injury you must undergo a generally accepted medical testing procedure for HIV infection, result must indicate that you are not seropositive then for antibodies for HIV;

N/A

The diagnosis of HIV resulting from accidental injury which occurred in Canada after the issue date of the policy while working in Insured's normal occupation, which exposed them to HIV contaminated blood/bodily fluids.

N/A

HIV infection as a direct result of accidental exposure to HIV contaminated blood or bodily fluids during the course of the regular occupation. HIV tests must be taken within 14 days of accidental exposure and the result must be negative, and between 90 and 180 days after accidental exposure and results must be positive.

Infection by any human immunodeficiency virus (HIV) acquired during the course of the Insured's occupation in Canada or the US. The occupations covered include but are not limited to: any occupation that provides accident and emergency, medical, dental or nursing services, the police force, or the prison service. Payment requires satisfaction of the following: infection must arise from an accidental injury during the normal course of duties for an occupation that has established reporting procedures;

The diagnosis by a doctor of Human Immunodeficiency Virus (HIV) resulting from accidental exposure to HIV-contaminated body fluids during the course of the Insured's normal occupation. Payment under this condition requires satisfaction of all of the following: a) The accidental exposure must be reported to the Insurere within 14 days of the accidental injury;

HIV infection as a direct result of accidental injury that exposed the person to HIV contaminated body fluids during the course of the regular occupation, in Canada or the US. HIV tests must be taken within 14 days of accidental exposure and the result must be negative, and within 180 days after accidental exposure and results must be positive and appropriate documentation and investigations must be presented.

Definition (cont'd)

2) The infection must have resulted from contact with a person or instrument infected with HIV. 3) The contact must have occurred in Canada or the US after the benefit effective date 4) The incident must be reported, investigated and documented according to the relevant occupation's reporting procedures. Diagnosis will be deemed to have been made when all the relevant procedures have been satisfied and an HIV positive status has been confirmed.

Benefit is not payable unless: 1) an HIV test is taken within 14 days of accidental injury and result is negative; 2) accidental injury is reported to Unum within 30 days; 3) a follow-up HIV test is taken between 90 and 180 days after accidental injury and result is positive; and 4) accidental injury was reported, investigated and documented pursuant to and in accordance with any legislation, regulations or written standards applicable to that occupation.

Payment under this Covered Condition requires satisfaction of all of the following:1) accidental injury must be reported to the Company within 14 days of its occurrence,
2) an HIV test must be taken within 14 days of the accidental injury and the result must be negative,
3) an HIV test must be taken between 90 days and 180 days after the accidental injury and the result must be positive

3) all HIV tests must be performed at facilities approved and licensed ofr HIV testing 4) the accidental injury must have been reported, investigated and documented in accordance with Canadian or United States workplace guidelines 5) the accidental injury must have occurred while the Insured was working in Canada or the United States.

Your regular occupation must be subject to :a) Canadian Workplace legislation and regulations for managing occupation injury, or b) written policies and procedures then in effect for occ. HIV injuries administered in accordance with Health Canada standards, and c) such procedures in effect at your workplace, which include requirements in any event for prompt investigation etc.

N/A

Payment requires satisfaction of all of the following: a) the accidental injury must be reported to the insurer within 14 days b) an HIV test must be taken within 14 days of the accidental injury and the result must be negative c) an HIV test must be taken between 90 days and 180 days after the accidental injury and the result must be positive d) all HIV tests must be performed by facilities approved by the insurer

N/A

the accidental injury leading to infection must have occured after the policy date; the infection must have been acquired as a result of contact with an HIV infected person or with an infected object; the accidental injury leading to the infection must be reported, investigated, and documented according to the relevant occupation's reporting procedures,

b) an HIV test must be taken within 14 days of accidental exposure and the result must be negative; c) an HIV test must be taken between 90 and 180 days after accidental exposure and the result must be positive; d) all HIV tests must be performed by facilities approved by the Insurer; e) The accidental exposure must have been reported, investigated and documented in accordance with Canadian workplace guidelines..

OCCUPATIONAL HIV Definition (cont'd)

HIV infection resulting or transmitted by any other means, including but not limited to sexual activity or recreational drug use is specifically excluded. This benefit will not apply if the Insured has elected not to take any Vaccine offering protection against HIV that becomes available prior to the accident or where a cure against the HIV has become available prior to the accident.

Applies only to members of occupations that are subject to specific and exclusive legislation, regulations or written standards in regards to the reporting, investigating and documenting of an Accidental Injury that occurs during the course of that specific occupation.

4) all HIV tests must be performed by facilities approved by the Company,
5)the accidental injury must have been reported, investigated and documented in accordance with Canadian workplace guidelines

Must receive notice of the injury by the 30th day of the accident; Between 30th and 180th day immediately following the date of the injury, you must undergo HIV test by a medical lab approved by CL; You and your employer must give such consent as necessary to provide us with evidence relevant to the injury

N/A

e) the Person Insured's normal occupation is regulated by Canadian workplace regulation f) the accidental injury must have been reported, investigated and documented in accordance with workplace legislation and regulations.

N/A

and diagnosis will be deemed to have been made when all the relevant procedures have been satisfied and an HIV positive status has been confirmed.

Exclusions

COMMENT NOTE: Time frame for testing is not required in the definition as it is satisfied by the "relevant occupation's reporting procedure(s) for incidence" requirement.

Benefit is not payable for this illness if insured did not take, before the occupational HIV infection, any available, approved vaccine that offered protection against HIV infection and no approved cure for HIV infection has become available prior to the date of the follow-up HIV test, taken between 90 and 180 days after the accidental injury

1) HIV infection has occurred as a result of non-accidental injury (including but not limited to sexual transmission or intravenous drug use).
2) Insured has elected not to take any available licensed vaccine offering protection against HIV or 3) a licensed cure for HIV infection has become available prior to the accidental injury

1) HIV infection has occurred as a result of non-accidental injury (including but not limited to sexual transmission or intravenous drug use). 2) Insured has elected not to take any available licensed vaccine offering protection against HIV or a licensed cure for HIV infection available at the time of accidental injury

Benefit is not payable if either of the following is applicable: 1) after the injury the insured refuses to receive treatment recommended by a doctor for prevention of HIV infection, 2) a licensed cure for HIV infection has become available in Canada prior to the date of your accidental injury.

N/A

No payment will be made if: a) the Person Insured has elected not to take any available licensed vaccine offering protection against HIV
b) a licensed cure for HIV infection has become available prior to the accidental injury, or c) HIV infection has occurred as a result of non-accidental injury

N/A

No benefit will be payable if the insured has elected not to take any available licensed treatment approved by Health Canada offering protection against HIV. Does not include non-accidental exposure including, but not limited to, sexual transmission or intravenous drug use.

No benefit will be payable for HIV infection resulting or transmitted by any other means, including but not limited to sexual activity or recreational drug use, or if the Insured has elected not to take any vaccine offering protection against HIV that becomes available prior to the accidental injury leading to the infection or where a cure for HIV has become available.

No payment will be made if: a) the insured has elected not to take any available vaccine offering protection against HIV prior to the accidental exposure; b) A licensed cure for HIV infection has become available prior to the accidental injury; or c) HIV infection has occurred as a result of non-accidental exposure (including, but not limited to, sexual transmission or intravenous (IV) drug use).

HIV infection as a result of intravenous drug use, sexual transmission or determined not to have been accidental.

SEVERE RHEUMATOID ARTHRITIS

Yes

Definition

Definite diagnosis by a consultant rheumatologist must confirm the following: Morning stiffness; Swelling & pain in the joints of at least three joint groups, involving the corresponding joints in both sides of the body. One of these groups must be either joints on the fingers or toes, the knuckles of the hand or the wrist; Small nodular swellings beneath the skin; A positive rheumatoid factor test; X-ray evidence showing multiple & extensive changes to joints typical of rheumatoid arthritis; Diffuse osteoporosis with severe hand & spinal deformity.

N/A

INSULIN DEPENDENT DIABETES MELLITUS

Yes

Definition

The diagnosis of insulin dependent Diabetes Mellitus after the insured's 18th birthday by an appropriate consultant Physician. The survival period will be completed after the Insured has been insulin dependent for a continuous period of 12 months. The payout is 25% of the base up to a max of $25,000 - policy remains in force with a reduced sum insured. The accumulated ROPA will be reduced proportionately.

N/A

LOSS OF INDEPENDENCE

Yes, as a RIDER - See ADL RIDER below.

N/A

Yes

Definition

N/A

Rider definition below.

N/A

Diagnosis by a doctor certified in this specialty of either a) totally and permanently unable to perform, by yourself, at least 2 of the following 6 ADL's: bathing, dressing, toileting, bladder & bowel continence, transferring, and feeding; or b) cognitive impairment defined as mental deterioration and loss of intellectual ability severe enough to require continuous daily supervision. Condition has to persist for 90 days prior to the 75th birthday.

Diagnosis of permanent and irreversible inability to perform, without the substantial assistance of another person, at least 3 of the following 5 ADL's: dressing, transferring, eating, toileting, continence. The loss will be considered permanent if continuous for a min of 180 days with no expectation to return to independent living.Max. payout lesser of face or $500,000. If latter, policy stays in force for remaining conditions and face amount, premiums adjusted accordingly.

N/A

Diagnosis by a doctor specializing in this area of medicine of either: a) being totally and permanently unable to perform, by oneself, at least two of the following 6 ADL (bathing, dressing, toileting, bladder and bowel continence, transferring, feeding) for a continuous period of 90 days, with no reasonable chance of recovery, or b) cognitive impairment defined as a mental deterioration and measurable loss of intellectual ability

N/A

AORTIC SURGERY

Yes

Definition

N/A

The undergoing of surgery for disease of the thoracic or abdominal aorta requiring excision and surgical replacement of the diseased aorta with a graft. Branches specifically excluded.

N/A

The undergoing of surgery on the written advice of a certified vascular surgeon for the disease of the aorta that required excision and surgical replacement of the diseased aorta with a graft. Aorta refers to the thoracic and abdominal aorta, but not its branches.

N/A

The diagnosis by a certified cardiologist of the need for and the actual undergoing of surgery for disease of the aorta requiring excision and surgical replacement of the diseased aorta with a graft. Aorta refers to the thoracic and abdominal aorta but not its branches.

The undergoing of surgery for disease of the aorta requiring surgical replacement of the diseased aorta with a graft. Aorta refers to the thoracic and abdominal aorta but not its branches.

N/A

HEART VALVE REPLACEMENT

Yes

Definition

N/A

The replacement of any heart valve with either a natural or mechanical valve. Heart valve repair is specifically excluded.

N/A

The undergoing of surgery on the written advice of a doctor for the replacement of any heart valve of yours, with either a natural or mechanical valve. Heart valve repair is excluded.

N/A

The diagnosis by a certified cardiologist of the need for and the actual undergoing of the replacement of any heart valve with either a natural or mechanical valve. Heart valve repair is specifically excluded.

The replacement of any heart valve with either a natural or mechanical valve. Heart valve repair is specifically excluded.

N/A

BUILT-IN FEATURES

Yes

NON LIFE THREATENING CANCER

Built-in benefit provides a one-time payment of 10% of the sum insured or $10,000 if less. This payout will not reduce the base benefit or the ROPA and cancer will NOT be excluded as a covered impairment.

Early Intervention Benefit provides 25% of the sum insured to a maximum of $50,000. This is an advance against the base benefit.

Illness Assist benefit (considered a covered condition ) provides a lump sum benefit of up to $10,000. The payout will reduce the base benefit and any ROP's.

Built-in feature provides a one-time, lump sum benefit of 10% of the benefit amt up to a max of $10,000. Premium remains unchanged, policy remains inforce & does not reduce the base CI benefit.

See Early Prostate Rider.

If the insured is diagnosed with Stage A prostate cancer, built-in feature provides a lump sum payment of 10% of the benefit amt up to a max of $10,000 for Base and Plus and $50,000 for Enhanced. The policy will remain fully in force for the remaining lum-sum amount with premium unchanged .

Definition

This benefit covers - Early Prostate Cancer (TMN Classification System - stage T1, substage T1a); Cancer in the presence of HIV; any malignant melanoma with a depth less than 0.75mm; Ductal carcinoma in situ of the breast

N/A

This benefit covers - Early Prostate Cancer (Stage T1a or T1b); Ductal carcinoma in situ of the breast (diagnosed by pathologist, confirmed by biopsy) and also Coronary angioplasty.

N/A

The benefit covers - Early prostate cancer (Stage T1a or T1b); ductal carcinoma in-situ of the breast confirmed by biopsy; malignant tumour in the presence of HIV; or malignant melanoma equal to or less than 1.0mm.

N/A

Malignant melanoma to a depth of 0.75 mm or less (excluding in situ), stage A prostate cancer or any tumor in the presence of HIV.

N/A

above

N/A

Recovery Benefit (Advance Payment)

N/A

Pays 10% to a maximum of $10,000 upon submission of claim with evidences before specified waiting period is over.

N/A

WELLNESS CHECKPOINT

Access to Wellness Checkpoint website to identify potential risk areas, recommends behavior modifications & establishes goals to reduce the risk(s). This feature provides the client with a snapshot of their current state of health. It is provided by a third party and the access is automatically generated when the policy is settled.

N/A

HEALTH SUPPORT LINE

Provided by a third party at no extra cost to the insured. The Health Support Line provides support, information and services to insureds & their families at time of claim. An International Referral Centre is one of the many services available. Provides the client with disease-specific services, programs and providers on a local level as well as throughout Canada and the U.S.

Various services offered: one usage of Best Doctors Inc. at no cost and discount for additional unlimited usage. All expenses incurred are the responsibility of the insured. Services include: 1) InterConsultation, a service that provides clients & their physicians with access to advanced, case-specific recommendations from medical experts; 2) FindBestDoc, customized search for best doctors based on peer review; and 3) FindBestCare, a service that helps insured identify the optimal physician or hospital for treatment of their medical problem. Daily Living Assistance, access to a Care Coach at no cost once claim approved; Healing the Whole person, membership in program of mental coping.

Recovery Care Program, non-contractual, provided by Best Doctors.

Critical Care Assist Benefit provides for an independent consultation and recommendation for treatment by specialized physicians for Critical Illness Policyholders who are diagnosed with a Covered Condition. Provided by HRT (Health Resources & Technology, INC.). Services include: 1) InterConsultation, a service that provides clients & their physicians with access to advanced, case-specific recommendations from medical experts; and 2) Best Doctors Network/FindBestCare, a service that helps insured identify the optimal physician or leading centre in the U.S. for treatment of their medical problem.

Insured is granted access to Best Doctors/HRT (Health Resources & Technology, INC.) at no cost and discount for additional unlimited usage. All expenses incurred are the responsibility of the insured . Services include: 1) InterConsultation, a service that provides clients & their physicians with access to advanced, case-specific recommendations from medical experts; and 2) FindBest Doc and FindBestCare, a service that helps insured identify the optimal physician or hospital for treatment of their medical problem.

N/A

Insured is provided access to services provided by Best Doctors. Services include: 1) InterConsultation, expert medical consultation providing second opinions on diagnoses; 2) Identification of renowned physicians for each critical illness - here and worldwide; 3) Personalized assistance for medical appointments, travel and accomodation arrangements; 4) Coordination of patient inquiries 24/7

N/A

TERM COST SWITCH

A T10 or a T20 benefit may be switched to a T75 any time before the insured's 65th birthday at attained age. If a PRE rider is attached to the original T10/T20, it will also be switched. Rates are based on the insured's attained age and if done within the first 5 yrs, the original rate scale will be used. If a T20 ROP rider is attached and the switch is done before the 20th anniversary, the rider will terminate without value. A PRE rider may be added at time of switch.

Conversion Privilege: Insured can convert T10 plan to similar coverage under level premium. Available to age 60 if converting to age 65 plan, or age 65 if converting to age 75 or 100 (first 10 years only) plan (Attained age, then current rates).

Can switch from renewable to Level without underwriting (will be also available on some in force policies)

Conversion Benefit: Insured can convert T10 plan to similar coverage under level premium up to age 60. Option 1: Conversion to a Level 75 plan. Option 2: Conversion to a Level 100 plan. Premiums are guaranteed not to increase by more than 25%.

Conversion Option: can convert T10 up to age 65 to any LifeAdvance level premium plan then available. Based on attained age, evidence not required, carry over of premiums paid for ROP on death, if elected.

Conversion Rights: Insured can convert T10 and Level 75 plans to similar coverage under Permanent plan, level premium to age 100. All Vital Link Plus pland can be converted to Trilogy Life Plus (UL)

N/A

Conversion Option: can convert T10 before age 65 or the 10th anniversary, whatever comes first, to a Critical Illness Level Term To Age 100 policy.

T10 to permanent plan up to age 65.

MULTILIFE

Standalone plan or rider on Universal Solutions may cover up to 6 lives with one policy fee, available only at issue. The main market is husband and wife (spousal rider), also suitable for corporate business situations. DI products - available only to Insured and spouse. Target market - non working or part time spouse not eligible for DI. Term Life Series - Multilife not available.

N/A

Yes

N/A

No. But 10% discount on net premiums (before adding policy fee) for 3 or more lives. If not applied for at the same time, only latest may benefit fromm it.

N/A

Multiplan allows for a combo of separate, individual policy contracts by the same or different policyholders to be grouped together for a savings on policy fees. Reduced policy fees will apply when there is one source for a premium mode. Example; husband/wife purchases a policy - each receive a separate contract but the 2nd only pays $40/yr instead of $60.

All four plans can be added to any Critical Illness policy as riders (same or different insured).

N/A

RETURN OF PREMIUM (DEATH)

Refund of premiums, up to max sum insured, if insured dies prior to the end of the Survival Period of a covered impairment, or from any other cause. Refund (annual or monthly) includes premium ratings and riders, plus the policy fee. No credit for premiums waived. NLTC benefit will not affect the ROPA.

Refund of premiums if insured dies prior to the end of the Survival Period of a covered impairment, or from any other cause or at age 100 (T100 plan). The refund is the lesser of the face amount of the policy or the premiums paid including riders & ratings.

Refund of all premiums, up to max. of sum insured (less any Recovery or early Intervention Benefit paid), if insured dies prior to lump sum being paid, including ratings greater than 100%, policy fee and excluding Children's Lifecheque premiums

Built-in on LB 75, LB 65, LB 10, optional rider with LB 100
Refund of all annual base CI premiums (incl 100% pol fee for face $100,000 and up, 75% below), up to max. face amount, if insured dies prior to lump sum being paid. Doesn’t refund modal loading, additional premiums for substandard extra, add'l benefits and/or riders.

Available as a rider on all plans. Refund of premiums (incl premiums benefits, riders & policy fees) paid if insured dies from any cause other than a CI condition or if you don't survive the waiting period.

Refund of premiums if insured dies from any cause other than a CI condition or if you don't survive the WP.

Return all premiums on death, including admin fees (except when VL rider), but excluding substandard extras, other riders or additional benefits , if dies while coverage is inforce.

Refund of all CI premiums pd since issue incl ratings, policy fee, and applicable riders.

Optional rider. Refund of all Critical Illness premiums if insured dies while the policy is in force. The return includes the policy fee, premium for the rider and any optional riders and ratings.

Refund 100% of annual premiums paid (including policy fee, premiums for medical extras and any other riders ), less any premiums waived if the Insured dies before the completion of the survival period or from any condition not covered.

If no claim (except Stage A prostate cancer), refund all Critical Illness Insurance Premiums paid including policy fee an extra charges (but not exceeding the amount of Sum Insured). Doesn't apply to Protecta Multiple Children rider.

If no claim , refund all premiums paid for the policy (but not exceeding the amount of Sum Insured). Not available on Basic T-10.

CHARITABLE DONATION BENEFIT

N/A

When a benefit is paid, CL will make a $500 charitable donation on your behalf. This donation is made over and above any lump-sum CI benefit to the insured.

N/A

EXCLUSIONS

The commission of a criminal act for which the Insured is convicted under the jurisdiction where the act was committed. If the Insured is charged with a criminal act and such act results in a claim, any benefits for which the Insured might otherwise be entitled will be held until a verdict is reached; the intentional use of any drug, intoxicant, narcotic or poison except as prescribed and administered by a Physician, or in the case of a non-prescribed medication, as directed by the manufacturer; an intentionally self-inflicted injury or attempted suicide, while sane or insane;

Attempted suicide or self-injury; while incarcerated; commission or attempted commission of a criminal offense; intentional use or intake of any drug, poisonous substance, intoxicant or narcotic, other than as prescribed and administered by or in accordance with the instruction of a physician or as directed by the manufacturer in the case of non-prescribed medication; war; operation of a motor vehicle while blood alcohol concentration is in excess of 80 mg of alcohol per 100 ml of blood.

Intentional self inflicted injuries, abuse of alcohol or drugs, committing or attempting to commit a criminal offence, operating a motor vehicle while the concentration of alcohol in 100 ml of blood exceeds 80 mg

Intentionally self-inflicted injury or attempted suicide whether sane or insane; committing or attempting to commit a criminal offense whether inside or outside Canada, under the laws in the jurisdiction where the offence took place; the use of any drug, poisonous substance, intoxicant or narcotic other than as prescribed and administered by or in accordance with the instruction of a legally licensed medical doctor; war or act of war whether declared or undeclared; the misuse of alcohol

Active participation in commission/attempted commission of a criminal offense, use or intake of any drug, intoxicant, narcotic or poisonous substance except as prescribed and administered by a physician, suicide/attempted suicide, self-inflicted injury whether or not in possession of your mental faculties; war whether declared, undeclared or hostile action of the armed forces of any country, or insurrection or civil commotion, whether or not you were actually a participant;

Intentionally self-inflicted injuries, while sane or insane; any violation of the criminal law by the Insured; the illegal or illicit use of drugs or substances or the misuse of medication obtained with or without prescription, or the misuse of alcohol; any insured condition diagnosed prior to the effective date of these Critical Illness provisions; any diagnosis of cancer within 90 days following the effective date or, if applicable, the last reinstatement date of this protection, a diagnosis of cancer is made, or any symptoms or medical problems commenced and iniatiated investigations leading to the diagnosis of any cancer.

Attempted suicide; War or full-time active service in the armed forces of any country; Taking any drug other than as prescribed by a licensed physician; Taking poison or inhaling gas, whether voluntarily or involuntarily not connected with the employment of the insured; Participation in a criminal act or any attempt to commit a criminal offence, including but not limited to, driving while the concentration of alcohol in 100 ml of the insured's blood exceeds 80 mg;

Intentionally self-inflicted injury; attempt at suicide while sane or insane; committing or attempting to commit an assault, battery or criminal offence, whether or not insured is charged with a criminal offence; operating a motor vehicle while the concentration of alcohol in 100 ml of blood exceeds 80 mg; the use of any drug, poisonous substance, intoxicant or narcotic, unless prescribed for the insured by a licensed physician and taken in accordance with directions given by the physician; any war or hazard arising from war

Suicide or attempted suicide, or intentionally self-inflicted injury, while sane or insane; use or intake of any drug, intoxicant, narcotic or poisonous substance except as prescribed and administered by a physician; committing, attempting or provoking a criminal offence; operating a motor vehicle while the concentration of alcohol in 100 ml of blood exceeds 80 milligrams; war or hostile action of the armed forces of any country, whether such war is declared or undeclared.

Benefits will not be provided for a critical illness which arises directly or indirectly from a) suicide or self-inflicted injury while sane or insane; b) misuse of medication or the abuse of drugs or intoxicants; c) the failure to seek or follow medical advice ; d) an act of declared or undeclared war; e) committing or attempting to commit a criminal offence; f) operating a motor vehicle while the concentration of alcohol in 100 ml of blood exceeds 80 mg; or g) cosmetic or elective surgery.

Attempted suicide, self-inflicted injury, intake of any drug, intoxicant, narcotic or poisonous substance; committing or attempting to commit a criminal offence; driving while impaired, if critical illness result of war or civil disorder.

Exclusions (cont'd)

war or hostile action of the armed forces of any country, whether such war is declared or undeclared; or an impairment that falls within the "90 Day Cancer Exclusion" described in the Covered Impairments section of the policy.

your control of any land, water or air conveyance moved or operated by means other than your muscular power, while your blood alcohol is in excess of 80 milligrams of alcohol/100 millilitres of blood, any pre-existing conditions

misuse of alcohol, the diagnosis or any symptom or medical problem which initiated any investigation leading to a diagnosis of an insured condition and which commenced prior to the later of the effective date and the latest date of reinstatement

Intentionally self inflicted injury, while sane or insane; Any covered condition diagnosed before the effective date, or most recent reinstatement; Flying as a student pilot or flying as a privately licensed pilot for less than 25 hours or more than 400 hrs/year

Benefits are not patable as the result of any critical illness which manifested itself or for which medical treatment or consultation was sought prior to the effective date of coverage.

RIDERS

Yes

WAIVER OF PREMIUM RIDER

Premiums waived if totally disabled for 6 consecutive months - required payments made during this time will be refunded.

Premiums waived if disabled for 90 consecutive days. Also when waived under any other individual or sickness policy.

Waiver of Premium and Owner's Waiver of Premium, if disabled for 6 consecutive months, before policy anniv. nearest 60th birthday.
Issue ages 18-55

Optional: totally and continuously disabled for at least 6 months. Issue ages 18-55 (age last). To age 60.

CL will waive premium payments if the individual becomes totally disabled for a period of 6 consecutive months

Yes

Premiums waived is payor is disabled due to sickness or accident for more than 4 months. Premiums paid during waiting period refunded.

If disabled for a period of 6 months or longer and prior to age 60, premiums will be waived retroactively until client recovers.

If totally disabled for 3 months, premiums paid during this 90 day period will be refunded and premiums waived while disability continues.

Prior to age 60, if disabled for 6 consecutive months, will waive the monthly premiums and retroactively refund back to the 1st day of disability.

Premiums waived during the disability of the owner, provided the disability occurs before the owner is 60 years old.

Premiums waived during the total disability, if disabled for more than 6 consecutive months.

CHILD'S RIDER

N/A

Child coverage available on all plans (except T10), starting at age 2, as a stand alone, identical to those offered to adults. Riders available: ROP on expiry and SIB. The Functional Independence/ Disability Waiver can be added at age 18.

Provides CI coverage to children 0-17 for 12/13 specific covered conditions. The coverage ceases on the earlier of the youngest child's 21st birthday, paid up if parent dies before. Available in units of $5,000 from $5,000 - $100,000. Max. issue limit is 50% of parent's sum insured up to $100,000. Covers all children named in the application and future natural children without underwriting.

Yes - child's term life insurance rider (paid up if insured dies)
Issue age 0-18
Units of $1,000, 5 to $10,000 (rate $6.24/k)
If insured dies rider is paid up. May be converted on 25th birthday of child or the expiry date without evidence of insurability to any permanent plan for up to 5 times the child's rider.

Provides CI coverage to all children over age 2 to 17 (natural, adopted, step) in a family. The coverage ceases on the policy anniversary following each child's 21st bday. At the death of the insured or a CI payout, coverage on each child is converted to a pd-up term to age 21. ($2,500 - $25,000)

N/A

Provides life insurance to each child in the family for one inclusive premium. Additional children automatically covered after age of 15 days.

Provides CI coverage. Once inforce for 10 months any child born is automatically added. The coverage ceases on the child's 21st bday

N/A

Protecta Child: Stand alone or rider. Level premiums to age 75. Max $250,000 for cancer, kidney and major organ; $100,000 for remaining 10. Switch at age 18 to 18 illnessses under adult plan. Multiple Children : Rider only on a parent Prospecta Coverage. Terminates as child reaches age 21 or claim. Max SI $100,000 or 50% of parents. Cancer, Kidney failure, Major organ transplant, autism, blindness,Cerebral palsy, Congenital heart disease, Cystic fibrosis, deafness, diabetes type 1, Down's syndrome, Muscular dystrophy, Paralysis.

N/A

EARLY PROSTATE CANCER RIDER

See NLTC built-in benefit.

N/A

See Early Intervention Benefit (under NLTC)

N/A

See Illness Assist Benefit, also considered a covered condition (under NLTC)

N/A

Available on all plan types at issue, rider covers Early Prostate Cancer (stage A or equivalent). Face amount is $2,500 to a max of $25,000 or 25% of the base. The diagnosis of EPC must be made prior to the Insured's attained age 65 for benefits to be paid and the rates for this rider are only guaranteed for the first 5 policy years.

Available on all plan types at issue, built-in benefit Stage A prostate cancer covered for 10% of SI (to max. $10,000 on Base and Plus and $50,000 on Enhanced) if diagnosed before age 75.

N/A-

T20 PREMIUM REFUND RIDER

Available at issue on T20 standalone, max issue age 54. Pays 100% of the ROPA at the 1st renewal (20th anniversary), after which the PRR terminates. Policy remains inforce after refund is paid. Rider also includes early refund feature if coverage is cancelled anytime btw policy years 11 through 20. The refund starts at 60% of the ROPA in the 11th yr and increases by 4% every yr until end of 20th. If coverage is reduced in years 11 through 20, proportional refund is available. Each partial refund will reduce the remaining ROPA. Min amount that can be cancelled is $25,000 with the min sum insured remaining also $25,000.

N/A

T20 PREMIUM REFUND RIDER (cont'd)

For multilife, each life can have T20PRR on their portion. If a term cost switch is done before the 20th anniversary, the rider terminates without value. Refund (annual or monthly) includes premium ratings and riders, plus policy fee. No credit for premiums waived. NLTC benefit will not affect the ROPA.

RETURN OF PREMIUM AT EXPIRY

PRE Rider available at issue or when a term cost switch is done on T10, T20 and T75 standalone plans - max issue age 65 for T10, 64 for T75 and 54 for T20. Pays 100% of the ROPA at coverage expiry (age 75) or offers early refunds if the coverage is cancelled btw ages of 65 and 75. See cell below for early refunds. For multilife, each life can have PRE on their portion. Refund (annual or monthly) includes premium ratings, riders and policy fee. No credit for premiums waived. NLTC benefit will not affect the ROPA.

Return of premium benefit is paid at expiry, and equals the lesser of the face amount and the premiums paid by the policyowner (including riders and ratings) less benefits paid under the functional independence rider. When/if T10 converted, carry forward of premiums proportionally to face amount converted.

Not available on permanent plan. Refund of all premiums, up to max. of sum insured (less any Recovery or early Intervention Benefit paid), if insured dies prior to lump sum being paid, including ratings greater than 100%, policy fee and excluding Children's Lifecheque premiums
Primary 18-50, Level 18-60, Renewable 18-65

Rider on LB 75.
Refund includes annual base premium, policy fee and annual premiums for ROP Expiry rider up to max. of the face amount. Excludes modal loading, additional premiums for substandard extra and add'l benefits other than ROP Expiry. Max. issue age 55

Premium Payback at Expiry Rider available on Level 75 and T75, paid-up at age 65. Benefit - 100% of premium payback at age 75 with early options available (see below). The refund includes premiums paid for extra benefits, riders & policy fees. Partial withdrawals are allowed with a min of $25,000 left inforce.

N/A

On Maturity

100% of premium payback at age 75, including ROP rider premiums, admin fees but excluding substandard extras or other riders and benefits. Not availble on VL100.

All premiums returned at age 75. Rider only available at issue. The refund incl base coverage, applicable ratings, policy fee and premium pd for the Rider.

ROP rider if in force at age 75 (available on 'to age75' only). The return is the lesser of: the premium paid from the date the ROP rider was added to the 75th birthday and $2M. The amount includes policy fee, premium for the benefit amount & any optional benefit rider(s) & any premium ratings.

Available on T10 and T75 plans at issue. Returns 100% of annual premiums (including policy fee, premiums for medical extras and any other riders ) less any waived premiums when the plan expires at the attained age of 75.

N/A

EARLY RETURN OF PREMIUM

A feature of the PRE Rider (see above), early refunds start at 80% of the ROPA at age 65. The refund % increases by 2% on the policy anniversary that follows the insured's 66th birthday and on each anniversary thereafter. If amount of coverage is reduced after age 65, client will receive a proportional refund payment. Partial cancellations are allowed with a min $25,000 cancelled and the min remaining is also $25,000. No more than one partial/year.

N/A

Automatic benefit on Primary, Renewable and Level plans with ROP Expiry rider.
Refund paid at later of the policy anniv nearest age 65 or 10th policy anniversary. Refund of all premiums, up to max. of sum insured (less any Recovery or early Intervention Benefit paid), if insured dies prior to lump sum being paid, including ratings greater than 100%, policy fee and excluding Children's Lifecheque premiums. No partial surrender allowed.

Return of Premium on Surrender. Built-in feature of LB 100.
Refunds based on issue age and smoker status. Non-smoker 18-65 ROP on 10th or 20th policy anniversary. Smoker age 54 or below - 10th or 20th policy anniversary. Smoker 55+ - 10th policy anniversary only. Refunds annual premium and policy fee max $75) up to maximum face amount. Full, partial and multiple surrenders are allowed provided face min. $50,000 on the option dates. Excludes modal loads, additional premiums for substandard extra, add'l benefits and/or riders.

Premium Payback at Withdrawal Request is an option that offers a portion of premiums at either the 10th or 20th anniversary. A rider on T75 and built in to the T100 plan. On T75, 50% of paid premiums are available at the 10th year and 75% at the 20th. On T100, withdrawal from the policy at the 10th or 20th anniversary, returns 100% of the paid premiums. The refund includes premiums paid for extra benefits, riders & policy fees. Partial withdrawals are allowed with a min of $25,000 left inforce.

Not available

ROP on surrender rider available on VL100 Early Payout Option (VL10 & VL75). For both: Issue ages 18-55.Policy in force for 10 years.Premium returned includes admin fee, premium for ROP. ROP factors 70% age 60-64; 80% age 65-69; 90% age 70-74 and 100% age 75 and age 75+.

N/A

ROP rider on surrender available on age 75 (issue ages 18-55) and age 100 plans (issue 18-65). Returns 75% of premiums paid if surrendered on one of optional dates, which occur every 15 yrs from effective date of the rider but not within 1 yr of the end of the coverage period. Premium returned includes policy fee, premium for benefit amt & optional benefit riders and premium ratings.

Available on T10 and T75 plans at issue. On the policy anniversary at attained age 65 or the 10th policy anniversary - whichever is later - owner may elect to take a refund equal to 75% of annual premiums (incl policy fee, premiums for medical extras and any other riders) less any waived premiums.

On Surrender: Not Available on T100 and Multiple Children Rider. On the policy anniversary at attained age 65 or the 10th policy anniversary - whichever is later - owner may elect to take a refund equal to 75% of annual premiums (incl policy fee, premiums for medical extras and any other riders ) less any waived premiums, but not exceeding the SI. Percent return increases at each anniversary to reach 100% at expiry.

Cancellation benefit (percentage of premiums refunded). Permanent only.

ENHANCEMENT RIDER

Face Enhancement Rider

Scheduled Increase Benefit Rider

N/A

Automatic Increasing Benefit Riders (choice of two riders)

N/A

Issue Ages

18-45 (Standard risks only)

2-45

N/A

18-45

N/A

Availability

Available on standalone T10 or T75 plans . Min amount of $25,000 and max is sum insured or ($1M - sum insured) if less.

Available on all level premium plans - not available on T10 - with benefit amounts less than $500,000.

N/A

Both versions available on 'to age 65, 75 or 100' plans - the total increase cannot exceed $500,000.

N/A

Enhancement Amounts

Automatically increases face 20% every 2nd year until year 10. Add 50% of FER amount for medical U/W requirements.

Automatically increases face 20% every 2 years until year 10. Add 100% of amount for medical U/W requirements.

N/A

1) 45% option - benefit automatically increases by 15% of the original benefit amount on the 3rd, 6th & 9th anniversary following the effective date of the rider, or 2) 100% option - automatically increases by 25% on the 4th, 6th, 8th & 10th anniversary. Add 100% of amount for medical U/W requirements.

N/A

Rates for Increased Coverage

Premium does not increase during the first 10 years.

Attained age purchases, guaranteed original rate scale on non-cancellable plans, then in effect for the others. Combined face for bands.

N/A

Premium associated with an increase is not guaranteed, based on attained age.

N/A

Affect on Return of Premium

Contributes to refund amounts.

The premium for the SIB and all increases are included in the ROP

N/A

The premium for the AIB and all increases are included in the ROP.

N/A

ADL RIDER

N/A

Functional Independance Rider (n/a on T10, child until 18): 60 day EP, covers to age 65 and pays 1/60th of the CI face amount each month the insured is unable to perform at least 2 of 6 ADL's or is Cognitively Impaired. Reduces the face amount, contract terminates once total amount is paid.

N/A

See Loss of Independent Existence as a covered condition.

See Loss of Independence Covered Condition.

N/A

See Loss of Independent Existence Covered Condition, Multiple Children Rider.

N/A

TERM 10 LIFE RIDER

N/A

Yes, Living Benefit Plus.
10 year term plan, renewable to age 75 and convertible to age 65. Has CI component of 25%, 50% or 100% of face amount, elected at time of application to a max. of $2,000,000. Basic Plan covers heart attack, cancer, stroke. Enhanced covers heart atatck, cancer, stroke, Coronary Artery Bypass, Paralysis, Blindness, Alzheimer's, Kidney failure, major organ transplant, MS, Loss od Speech, Severe Burns, Deafness, Coma, Parkinson's, Loss of Limbs, Occ. HIV, Motor Neuron Disease, Benign Brain Tumour. Face amount reduces by amount of CI benefit and premium reduced proportionately.

N/A

Term 10 rider can be added at any time. Convertable to 70, renewable to 75. Issue ages 16-54. Minimum sum insured $25,000.

N/A

Accidental Death Benefit

N/A

Issue age 18 to 60, expires at 65. Paid Benefit amount if accidental death.

N/A

AD&D: Issue age 16 to 55, expires at 70. Paid Benefit amount if accidental death or dismemberment.

N/A