| 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 | Stand alone or rider on any new or existing Empire policy | Stand alone | Stand alone | 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 | 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, to age 100 | to age 75, lifetime | ||||
| NO. COVERED CONDITIONS | Basic 4, Enhanced 20+ | 18 | 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) | 10 | 18 |
3 - Basic, 21 - Plus** (organ transplant as 2) |
3 - Basic, 16 - Comprehensive |
3 - Basic, 18 Enhanced | 20 | 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 | 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 | .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 | Yes | Yes (basic) | Yes (basic) | Yes (basic) | Yes | 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. | 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. | 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 | Yes | Yes (basic) | Yes (basic) | Yes (basic) | Yes | 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 |
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 | 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 | Yes | Yes (basic) | Yes (basic) | Yes (basic) | Yes | 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 |