Roughly 3% of life insurance applications in Quebec and Canada are declined each year due to medical reasons.
SecureLife® has been designed specifically to enable many individuals that have been declined elsewhere for medical reasons to obtain valuable life insurance coverage.
Through a combination of special plan design features and unique special risk underwriting expertise and experience, we can offer coverage to many otherwise uninsurable individuals. Among the more common medical conditions we have been able to insure are:
- Diabetes
- Heart disease
- Cancer survivors
- Obesity
- Alcohol, drug abuse
- Mental disorders
- Kidney transplants
- Multiple conditions
Highlights of the SecureLife® Plan include:
- Level term insurance for 20 years (or until age 75, whichever occurs first)
- Issue ages 20 to 65
- Face amounts $50,000 to $500,000
- Fixed pricing – Most of those who qualify for coverage will pay the published and quoted rates. A 2nd tier of rates, roughly 40% higher, allows us to offer coverage to many others that would otherwise be declined.
- Innovative optional Premium Refund Rider
- Full underwriting, full benefits from issue
Next time you have a life application declined, you owe it to yourself to check out SecureLife®. With a little additional effort you may be able to obtain this important coverage for yourself or a client.
SecureLife® is insured by ACE INA Life Insurance, a member of the ACE Group of Companies, one of the world’s largest and most innovative providers of insurance products and services.
This website provides detailed information about the product, and enables you to run an online illustration, or print application and preliminary inquiry forms. Or contact us:
Offline/Online