Saturday, May 5, 2012

Accidental Insurance


Life insurance that is paid only if the insured's death is as a result of an accident.

Accident Insurance provides worldwide coverage you or your entire family—adults and children—24 hours a day, 365 days a year. It's an ideal complement to your group insurance coverage.



Who Should Consider Accident Insurance?
  • Parents to increase their group insurance coverage
  • College and university graduates who are no longer covered by the group insurance plans of their parents and do not yet have access to an employer’s plan
  • Retirees. Accident Insurance can include hospitalization and convalescence benefits, as well as reimbursement of the service fees or treatments of various specialists (physiotherapists, podiatrists, chiropractors, occupational therapists, home-care nurses, etc.)
  • Parents of newborns as he or she embarks on a new life
Features and Advantages
  • Plan provides worldwide 24-hour-a-day coverage to your entire family, 365 days a year, in the event of an accident
  • It reimburses certain fees that aren't covered (or are only partially covered) by your group insurance plan
  • There is no medical questionnaire or medical examination. You and your family, who reside permanently in Canada, are automatically eligible (between the 15th day of life and the age of 75 years)
  • You can choose how long you need protection and be protected against future rate increases
  • You receive a 10% reduction if you insure four or more persons under the same contract, based on the same option and term
  • The plan can insure your newborn free of charg

Needs of Insurance


Life is full of unforeseen events. Most are pleasant, but no one is protected from events that may have devastating consequences on quality of life (death, divorce, illness, etc.). In addition to having to overcome your grief and other emotional problems, you have to carry the financial burden occasioned by such events.
  • Life insurance is essential to all good planning-whether it be to protect your family against a sudden loss of income, insure a key company employee or plan your estate.
  • With mortgage insurance, you obtain financial protection that insures your mortgage payments in the event of disability or fully pays off your mortgage balance in the case of a premature death or critical illness.
  • Critical illness insurance provides you with a lump-sum payment after a critical illness is diagnosed.
  • Disability income insurance provides you with a source of income that replaces your salary during a period of disability resulting from an accident or illness.
  • Requiring no medical examination or blood test, this type of insurance is intended for persons who for medical reasons have difficulty obtaining insurance.
  • With accidental insurance your entire family - children and adults - receives 24-hour-a-day coverage worldwide.
  • etc.