A comprehensive underwritten critical illness plan covering 23 illnesses/events – including occupational HIV & Major Organ failure requiring transplant (first ever in Jamaica). It provides investment opportunities.
Two Purchase Options are Provided
Option 1
Coverage can be indexed and without future medical proof persons can get twice the sum assured to a maximum of $40M.
Critical illness benefit is paid upon first diagnosis where death does not occur within 30 days.
The death benefit is paid if death occurs before the expiry of 30 days after diagnosis.
The Benefit is the Basic sum assured and bid value of units less any indebtedness.
There is a 90 day waiting period after the commencement of the policy or after reinstatement before benefits are payable
Premiums will be refunded if suicide occurs within 2 years.
Option 2
Illnesses/Events Covered
| Alzheimer’s Disease | Heart Valve & Structural Surgery |
| Angioplasty (coverage ceases at age 65) | Kidney Failure |
| Aorta Graft Surgery | Loss of Limbs |
| Benign Brain Tumor | Loss of Speech |
| Blindness | Major Organ Transplant |
| Cancer | Major Organ Failure requiring transplant |
| Coma | Motor Neuron Disease |
| Coronary Artery Disease Surgery | Multiple Sclerosis |
| Deafness & Loss of Hearing | Occupational HIV |
| Heart Attack | Paralysis |
| Stroke Parkinson | Disease |
| Major Burns |
There are some conditions under which the plan will not pay (please discuss with your advisor).
Claims must be made no later than six (6) months after the first diagnosis or occurrence of any of the insured events.
Premiums are payable until:
The plan has an automatic premium payment feature and allows premium to be paid from funds where this is sufficient and premiums are overdue beyond the Grace Period.
Investment
There is the opportunity to accumulate cash by investing in any combination of five investment funds. Persons should choose depending on risk profile. The funds are:
Details of these funds are to be discussed with your advisor.
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Premier 3
Leroy Dallas has risen to the top because he consistently interfaces with his clients to prepare them for life’s financial challenges and opportunities.
This Life Guardian has earned the confidence of his clients, who trust him with what matters most to them… their lives.