Underwritten by ACE INA Insurance

Critical Illness Protection is not Life insurance.

It is a new type of insurance that pays a tax-free lump sum benefit after the insured person is diagnosed with any one of the TEN named conditions and survives for a period of 30 days.

(For Cancer only, diagnosis must be made 90 days after coverage becomes effective.)

Critical Illness protects against the financial consequences of TEN critical illnesses and conditions which include most of the common life-threatening illnesses face by Canadians today, including:

• Cancer
• Kidney Failure
• Stroke
• Deafness
• Recipient Major Organ Transplant
• Heart Attack
• Multiple Sclerosis
• Paralysis
• Blindness
• Coronary By-Pass Surgery

Benefits are paid based on a specific medical diagnosis, not on an inability to work or proof of reduction in income. Coverage is renewable on an annual basis to age 65, and terminates at the Policy Anniversary immediately following the insured's 65th birthday.

Coverage may be purchased in an amount of $10,000, $25,000 or $50,000.

Coverage is subject to approval of a separate health declaration.

Pre-existing Conditions: No benefit will be payable for a Critical Illness if, during the first 24 months of coverage, the insured is diagnosed with a symptom or medical problem for which treatment was received in the 24 month period prior to the effective date of coverage.

Critical Illness protection may also be purchased for the applicant's spouse. The premium rate for spousal coverage will depend upon the spouse's age, sex and smoker status.

Underwritten by ACE INA Insurance

Under age 45, the largest single cause of death or disability is an accident. Accidents can cause significant financial loss for the victim as well as all family members.

Through the purchase of Accidental Death & Dismemberment Insurance protection, participants can minimize their financial losses and have the funds to cope with unexpected expenses not covered by provincial Medicare Plans or any other insurance plan.

Optional Accidental Death & Dismemberment Insurance coverage is available for the applicant only, or the applicant and all family members in units of $50,000 up to a maximum of $300,000.

No health evidence is required.

Protection is provided 24 hours per day, 365 days per year regardless of where travel, or participation in hazardous leisure time activities takes place. Benefits are payable for loss of life, dismemberment, paralysis.

If Family coverage is selected, the spouse is insured for 60% of the selected amount, unless there are eligible dependent children; in that case the spouse is insured for 50% and each child 15%. If there are only dependent children and no spouse, each child will be insured for 20% of the selected coverage amount.

Underwritten by Lloyd's of London

It's your most valuable asset: your ability to work and earn an income. Yet more than 50% of working Canadians have not purchased disability insurance to protect this asset.

In other words, they "walk a tightrope" without any coverage, perhaps simply hoping it will never happen to them. But disability has no respect for age, occupation, gender, or position when it strikes unexpectedly through sudden illness or accident.

What would you do?
The primary concern of most individuals is their ability to meet their ongoing financial obligations in the event of temporary or long term disability. How would you, and/or your family survive financially if you became disabled and unable to work temporarily or permanently? Take away the ability to earn an income through unexpected injury or illness, and the result can be a financial disaster greater than premature death for the majority of Canadians.

An affordable solution:
The new Menuflex™ Disability Insurance Program can assist you in meeting your protection needs at reasonable and competitive cost, while providing you and your loved ones with comprehensive protection against loss of income due to illness, injury or death. With Menuflex™ Disability Insurance, you can walk the tightrope of life knowing there's a financial cushion in place to protect you and your family from any falls.

Available coverage includes:

Temporary Total Disability

• 66.67% of weekly salary to a maximum of $1,000 per week for both accident & sickness;
• covers earnings up to $77,990/annum;

Permanent Total Disability

• provides a lump sum, tax-free payment of up to 5 times gross annual earnings (up to a maximum of $500,000) after 12 months of continuous disability when it has been determined that the insured is "Permanently and Totally Disabled".
• covers you for both accident or sickness.

Accidental Death & Dismemberment

• 24 hour, 365 days per year coverage of up to $500,000;

The Menuflex™ Disability Insurance Program is detailed in a separate section of the website, which you can access here. A separate Application Form & Health Declaration is required for Disability Insurance.

On the next page, please review the Frequently Asked Questions