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Critical Illness Insurance compared to other products on the Market
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Generic Definitions

Please read notes, reasonable steps have been taken to ensure this information is accurate as of August 2001  However lifeinsurancebrokers.com makes no representation or warranty as to the accuracy of this information and assumes no responsibility for any reliance made upon it .
 
Companies Standard Life  Aig Canada Life  Unum Manulife

Product		 Critical Illness Insurance Living Benefit Life Advance Critical Illness Recovery
Plan		 Lifecheque
Product type Stand-alone & rider Stand-alone Stand -alone & rider Stand -alone Stand-alone & rider
T-10 yes no Yes to age 75 Yest to age 75 Yes , to age 75
T-65 no no no yes yes
T-75 yes yes yes yes yes
T-75 STEP RATES yes no no no no
T-100 yes yes yes yes yes
ISSUE AGES 18-65(t-100,T-75 &
t-75,SR) 18-664(T-10)		 18-65 18-65 18-60(t-65)
18-65(others)		 18-65(t-65),16-64(t-75)
18-65(t-10,t-100)
SUM INSURED $25,000-$2.0m $50,000-$1M $25,000-$2.0m $10,000-$1.0m $25,000-$2.0m
RETURN OF PREMIUM ON DEATH yes built in yes built in t-75 as a rider for T-100 Yes , built in yes built in yes built in
RETURN OF PREMIUM 
AT EXPIREY		 Yes , as a rider for t-10
t-75 aand t-75 step rate		 Yes as a rider for t-75 Yes as a rider on T-75 only yes built in for T-10 & T75 yes as a rider(16-50)
TOTAL OF ILLNESSES 
COVERED		 22 16 19 17 18
Illnesses covered
Cancer		 yes* yes yes yes yes
Heart Attack yes yes yes yes yes
Stroke yes yes yes yes yes
Artery Bypass yes yes yes yes yes
Kidney Failure yes yes yes yes yes
Organ Transplan yes yes yes yes yes
Major organ failure on waiting list yes no yes yes no
Paralysis yes yes yes yes yes
Multiple Sclerosis yes yes yes yes yes
Blindness yes yes yes yes yes
Deafness yes yes yes yes yes
Coma yes yes yes yes yes
Alzheimer's Disease yes yes yes yes yes
Parkinson's Disease yes no yes yes yes
HIV Infection yes no yes yes yes
Loss of Speech yes yes yes yes yes
Motor Neuron disease yes no yes no yes
Benign brain tumor yes no yes no no
Loss of Independance yes no no yes no
Aortic surgery yes no no no no
Heart Valve 
replacement		 yes no no no no
Loss of Limbs yes no yes yes yes

Standard Life 
 Aig
 Canada Life 
 Unum
 Manulife












* If the Insured is diagnosed with Stage A prostrate Cancer, he will receive 10% of the lump-sum payment (up to a maximum of $50,000). The policy will remain fully in force for the remaining lump-sum amount.
**Organ transpland and major organ failure on waiting lists are considered one illness at Standard Life.

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