CRITICAL ILLNESS AND LONG TERM CARE

This is a combination of a Critical Illness policy with a Long Term Care policy. The following is a basic explanation of how the policy works and the variations of choice that you have available to you.

LifeBeat

The policy, known as Lifebeat is a Critical Illness policy which offers the option to continue as a Long Term Care policy, while preserving the Critical Illness coverage to age 100.

A male aged 40, non smoker, can buy $100,000 level premium policy for $102 a month. If he chooses to have his premiums returned at age 70, the premium is $140 with the Long Term Care option.

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At age 70 he will receive a refund of $10,920, the coverage will continue and the premium is reduced to $76 a month. Or he can pay a single premium of $8800 from his refund.

Benefits are paid under the policy for a critical illness caused by any of 22 critical illnesses. And after age 70, benefits are also paid for cognitive impairment or the loss of 2 of 6 activities of daily living.

 

Start here and get a Free Critical Illness and Long Term Care Quote

 

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