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 Critical Illness (CI) Rider
 
   

Critical Ilness Rider (CI)

Pushing your limits brings out the best in you and helps overcome adversity. If that adversity happens to be a serious illness then you could receive an additional benefit of up to $1,000,000 to help you keep going. Its for all who never give up! You may sign up for the CI Rider once you have enrolled in a Family Indemnity Plan.

No Medical Required!

Illnesses covered: cancer, heart attack, stroke, paralysis and major burns

Maximum entry age: 59 years

Waiting period: 6 months, unless diagnosed with a critical illness as a direct result of an accident

Payout: only one lump sum payment for the life of the Rider on a successfull claim submission

Premiums: first premium is determined by the age you have attained when you sign up for rider. Premium increases throughout the life of the Rider as you move into a new age band. See premium schedule below: 

Age Band

Monthly Premiums

*** Years

Coverage

$500,000

Coverage

$1,000,000

18 - 29

$145.00

$290.00

30 - 34

$155.00

$310.00

35 - 39

$210.00

$420.00

40 - 44

$355.00

$710.00

45 - 49

$590.00

$1,180.00

50 - 55

$1,040.00

$2,080.00

56 - 60

$1,250.00

$2,500.00

61 – 65

$1,500.00

$3,000.00

66 – 70

$2,500.00

$5,500.00

71 – 74

$3,500.00

$7,000.00

Exclusions:

You will not receive benefits if your disgnosis of one of the covered criticall llnesses is caused by:

  1. willful, self-inflicted injuries or illness
  2. abuse of drugs and / or alcohol
  3. committing or attempting to comit a crime or involvment in crimina activity
  4. poison, inhaled poisonous gases or vapours
  5. pre-exisitng conditions
  6. bodily through external and violent means
  7. AIDS, AIDS-related complex of infection by HIV virus
  8. injury, illness or death resulting directly or indirectly from nuclear reaction, radiation or radioactive contamination

Brochure 

http://www.lascellescreditunion.com/forms/FIP%20with%20CI%20rider.pdf