LP3S Lifetime Protection Solutions - What we have to offer!

2011-07-08T13:19:00.000-07:00

One Day Can Make a Difference . . . Do you have CI?

2011-06-20T14:05:00.000-07:00

What Is Critical Illness Insurance (CI)?

Critical Illness Insurance provides a lump-sum cash payment without taxation when diagnosed with specific diseases such as the ones below. To claim CI benefits, one must survive 30 days from the date of diagnosis for most benefits (longer periods may apply) and meet the medical criteria that determines if the CI was life-threatening.

Medicine and science can help your survival today. Critical Illness insurance provides the much needed cash to cope with the heavy financial burden related to your treatment and recovery. The CI cash gives you peace of mind to spend however you like when faced with the issues described.

The following list of illnesses are considered life-threatening industry-wide across Canada. Coverage varies with each insurer. Statistically, the first three illnesses (life-threatening cancer, heart attack, stroke) represent 85% of the claims and are considered basic to CI Cash policies.

1 in 3 suffer disability before the age of 65.
The average age of a CI claim is age 42+.
Under age 35, 1 in 4 suffer from a critical illness.

Life-threatening Cancer
Heart Attack
Stroke
Coronary Artery Bypass Surgery
Heart Valve Replacement
Aortic Surgery
Multiple Sclerosis
Kidney Failure
Parkinson’s Disease
Alzheimer’s Disease
Organ Transplants
Major Organ Failure on Waiting List
Paralysis
Motor Neuron Disease
Blindness
Benign Brain Tumor
Coma
Deafness
Loss of Limbs
Occupational HIV Infection
Loss of Speech
Severe Burns
Aplastic Anemia
Bacterial Meningitis
Loss of Independent Existence

Note: Not all insurers cover all of the above listed benefits. Also, some CI plans have partial payments for breast and prostate cancer.

Besides the above, the following illnesses are associated normally with children and can be found in some children's Critical Illness policies. They are:

Cerebral Palsy
Congenital Heart Disease
Cystic Fibrosis Muscular Dystrophy
Type 1 Diabetes Mellitus
Autism
Rett’s Syndrome

If you would like more information and determine if you qualify for CI Insurance, call 1-877-735-4487 or email us. If you prefer you can buy online at this website (LP3S.ca).

Kinnell Insurance

LP3S Lifetime Protection Solutions - What we have to offer!

One Day Can Make a Difference . . . Do you have CI?