Norwich Union Critical Illness description of benefits
Coverage from $10,000 to $50,000 lets you choose the protection you need
Piece of mind is a signature away. Choose the benefit that best suits your needs and budget - $50,000, $25,000, or if you are age 41 to 60, $10,000.
100% TAX-FREE lump-sum payment that will benefit you directly
This Plan pays the cash benefit directly to you TAX-FREE - if you survive for 30 days after being diagnosed with one of the covered illnesses. How you use the money is up to you.
How the Life Recovery Plan differs from traditional insurance
The Life Recovery Plan has an important role to play in your financial plan. Consider the features of available insurance products: Click Here
100% risk-free, 30-day money-back guarantee
Your policy is in effect the moment we receive your completed Activation Form. We'll send you confirmation of the coverage you select. You can take up to 30 days after reciept of confirmation to enjoy the peace of mind the protection can bring while you review your policy. If you decide to cancel for any reason, simply notify us in writing within that time. There's no further obligation. Any premium paid will be refunded in full.
No Medical Exam
You are guaranteed to be accepted for coverage if you are between 18 and 60 and can sign the declaration of health on the Activation Form. There are no medical exams even if your family has a history of serious illness.
You are NOT eligible for coverage if you have been diagnosed with a covered illness or any of the following medical conditions: a positive HIV test, diabetes, heart disease, cancer, hepatitis, chronic kidney disease, permanent paralysis, transient ischemic attack (a mini-stroke).
We can issue your Policy without a medical exam and still keep the premiums affordable by providing a qualifying period of 12 months from the effective date of coverage.
If you are diagnosed with a covered illness during this 12-month period, no benefit will be payable and you will receive a refund of the premiums you've paid.
Refund of premiums on death
All premiums will be fully refunded if you die from any cause, while your coverage is in effect, without having received a benefit for a covered illness.
Coverage is guaranteed to age 71
Your coverage will never decrease. As long as you continue to pay your premiums, your policy is quaranteed to remain in force until your 71st birthday.
You may of course, cancel your policy at any time you wish. When you receive payment of a benefit or a refund of premiums under your policy, your policy automatically terminates.
Premium Guarantee
Initial premiums are based on your age, gender and smoker status. Click here for a free quote. These rates are guaranteed for 5 years. After 5 years, the rate will increase to the rate in effect for your age at that time. The new rate will be guaranteed for another 5 years.
Exclusions
No benefit will be paid if you have a pre-existing condition or if any covered illness arises directly or indirectly from: self-inflicted injury while sane or insane; misuse of medication or the abuse of drugs or intoxicants; failure to seek or follow medical advice; an act of declared or undeclared war; committing or attempting to commit a criminal offense; or injury sustained while operating a motor vehicle if your blood contained more then eigthy (80) mg of alcohol per 100 millilitres of blood.
Pre-existing conditions
A pre-existing condition occurs when prior to the effective date of coverage you are treated or attended to by a medical doctor for any symptom or medical problem that leads to a diagnosis of a covered illness after the effective date of coverage.
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A serious illness can happen to anyone at any time. Protect yourself. Protect your family. Activate your coverage today and enjoy peace of mind.
Enroll Now.