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Critical illness insurance provides you a lump sum payout if you develop cancer, have a heart attack, have a stroke, or have any one of about 2 dozen covered conditions. At least, that's how it's sold. The reality is quite different. It's entirely possible for you to have a heart attack or develop cancer and [...]

Here's a list of the standard covered conditions: Cancer Life Threatening Cancer Early Prostate Cancer (Partial) Ductal Breast Cancer (Partial) Superficial Malignant Melanoma (Partial) Benign Brain Tumour Stroke Heart Heart Attack Coronary Artery Bypass Surgery Heart Valve Replacement Aortic Surgery Angioplasty (Partial) Multiple Sclerosis Motor Neuron Disease Alzheimer's Disease Parkinson's Disease Aplastic Anemia Loss of [...]

Purchasing return of premium on critical illness insurance is the same thing, except without the first two points. Return of premium rider on a critical illness policy promises to pay you back all your premiums should you not make a claim.  In sales-person's terminology "Get paid the claim or get all your money back".  Sounds [...]

For the total amount, it's a matter of totaling up the expected costs you may have should you develop a covered condition. Examine each reason and estimate the amount that you'll need for each of those items.  Total these amounts and you have a solid estimate as to the amount of coverage.  When in doubt, round [...]

Critical Illness – Cancer

Moratorium Period Exclusions No benefit will be payable under this condition if within the first 90 days following the later of the effective date of the policy or the effective date of the last reinstatement of the policy, the life insurance has any of the following: signs, symptoms or investigations that lead to a diagnosis [...]

Are you looking for critical illness insurance?  There's two things you need to consider before making this decision. First, you must have adequate life insurance and long term disability insurance before purchasing critical illness insurance.  Both of those coverages are more important than critical illness insurance and must be emphasized first. An example may help [...]

Life Insurance Quotes

Before you run your life insurance quotes, you may consider reading our articles on how much life insurance do I need and types of life insurance. How much and what type are both vital components of getting an online life insurance quote. Tips on getting the best rate: When you run your life insurance quotes [...]

Joint first to die life insurance is insurance where two individuals are covered with death benefit paid on the first death. This is sometimes considered by couples with the intention that such coverage is less expensive that two individual coverages. In reality, this is not normally the case. In fact, I specifically recommend two individual [...]

Insurance Glossary

Insurance terms and glossary: Beneficiary - The beneficiary of the policy is the person or entity that receives the benefits. For disability insurance, the beneficiary may be the same person as the insured. In the case of life insurance, the beneficiary and the insured would be different people. Convertible - A convertible term policy provides [...]

Mortgage Life Insurance

Mortgage life insurance is required by many banks as part of the mortgage process. However while they can request that you have life insurance to cover the debt, they cannot require that you get that insurance with them. You have the flexibility to shop for mortgage insurance to get better products and better rates. True [...]

No Medical Exam Life Insurance Quotes

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