All financial planning experts agree that you should set aside a portion of every dollar you earn ... to be used in the event of an emergency, or to cover expected future expenses. This practice of setting aside a percentage of your income is called "paying yourself first" and while it makes good financial sense, many Canadians fail to save the money they want to ... or fail to save at all.

We know that an unexpected illness such as cancer, heart attack or stroke can have devastating emotional consequences. The financial consequences often compound the suffering, as you and your family face the possibility of interrupted income and increased expenses during the recuperation period. These increased expenses can include medicine and prescriptions, travel and accommodation costs, and expenses not covered by provincial health care plans.

We at Unity Life recognize that living with debilitating disease can put a strain on everyone's finances and that is why we developed Health Security Plus. Health Security Plus provides tax-free financial support at a time of medical crisis, thereby easing the stress caused by monetary concerns. Health Security Plus covers Heart Attack, Life Threatening Cancer, Stroke, Paralysis, Kidney Failure, Major Organ Failure on a transplant waiting list. Click here for more detail on Covered Impairments and Exclusions.

Serious diseases strike regardless of sex, age, race and socio-economic status. Our plan benefits are intended to help meet the financial implications of these serious diseases, as they can have a major effect on your lifestyle. You can take steps now to help deal with the financial uncertainties.
 
 

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Health Security Plus is a unique, simplified issue critical illness product covering the insured in the event of a specific critical illness or accident. This coverage is available as a stand-alone product and can be purchased with or without life coverage. It’s a GREAT add-on to those life apps though!

Health Security Plus is a 10 Year term plan renewable to age 75. Premiums on this product renew every ten years and are adjustable. Premiums will NEVER be increased by more than 25%.
 

ISSUE AMOUNTS

$10,000 - $100,000 (Note: Our minimum PAC amount of $15.00 per month applies)
 

ISSUE AGES

20 - 55 (age nearest)
 

NO POLICY FEE

NO MULTIPLE POLICY DISCOUNT
 

INDEXING OPTION
 

Health Security Plus is also available with an indexing option! The face amount will be increased automatically by 5% of the original face amount each year to a maximum of 50%. Premiums will be based on original issue age and current face amount. The policyowner can stop the indexing at any time.
 

WHAT IS COVERED
 

Heart Attack

Life Threatening Cancer

Stroke

Paralysis

Kidney Failure

Major Organ Failure on a transplant waiting list
 

The insured does not have to die or be disabled to receive full benefits. In fact, the insured can completely recover and still receive payment. Actual impairment definitions are covered in the enclosed underwriting section.
 

SURVIVAL PERIOD
 

To qualify for benefits, the insured must survive the occurrence of a critical illness for 14 days, unless a longer survival period is specified in the policy. If the client does not survive for 14 days following the occurrence of a critical illness Unity Life will refund all premiums paid, without interest. There is NO additional charge for this benefit.
 

RETURN OF PREMIUM ON DEATH
 

Regardless of the cause of death, Unity Life will refund all premiums paid, without interest. There is NO additional charge for this benefit.
 

RETURN OF PREMIUM ON EXPIRY
 

Health Security Plus also has a return of premium rider available! The insured can purchase an additional rider that will return all premiums paid, without interest upon expiry of the coverage.
 

APPLICATION PROCESS
 

Just complete the Health Security Plus application, no other forms are required. You can print it out on 8½ x 11 paper but we recommend you use legal size paper. Like our other forms it can be filled out online.
 

MEDICAL REQUIREMENTS
 

Health Security Plus is a simplified issue critical illness product. There are four simple medical questions for your clients to answer. If they are able to answer "No" to all four questions they qualify for coverage! There are no additional medical requirements.