Lifebeat - Comprehensive Critical Illness Insurance

LifeBeat adds an exciting and unique dimension to Life Insurance for Canadians. LifeBeat has been designed to address a distinctly separate and growing insurance need that consumers are facing due to work related stress and advances in medical science.Today, more than ever, Canadians have a high probability of suffering and surviving a critical illness. Most Canadians who suffer heart attacks, strokes, cancer and other major illnesses survive and go on to live for years.

LifeBeat is designed to provide the financial assistance that critically ill patients need to put the associated stress and difficulties behind them and focus on their recovery.

LifeBeat covers 22 common critical conditions and pays a lump sum, tax-free, hassle free benefit on the first occurrence of any of these covered conditions. Benefits are paid promptly once clearly defined requirements have been met.

LifeBeat provides coverage, essential for most individuals. LifeBeat is of special interest to business owners, partnerships, corporations and professionals. Benefits can be used for keyperson coverage, buy-sell funding, compensation agreements, employee benefit programs and topping up disability plans, among other things. Everyone, regardless of age, occupation, income, gender, marital or smoking status is vulnerable to a critical illness. Critical illnesses can strike anywhere, anytime. In any given year before age 65, an individual’s probability of suffering
a critical illness is almost ten times greater than of dying (34.7% chance of a critical illness versus 3.5% probability of dying).
Today, younger Canadians are becoming more concerned about the financial consequences of suffering a critical illness while they are earning an income, raising a family, running a business and accumulating assets. Elderly Canadians, on the other hand, are becoming increasingly aware of the need for Long Term Care coverage.

LifeBeat has been specifically designed to address the needs of both Critical Illness and Long Term Care patients. For individuals who suffer a critical illness before age 70, LifeBeat provides a lump sum, tax-free cash benefit. Upon the initial diagnosis of a critical illness or Long Term Care condition after age 70, LifeBeat provides a guaranteed lifetime monthly income.

LifeBeat coverage is provided by AXA Assurances, a member of the AXA Group, a world leader in financial protection. Its mission is to deliver solutions adapted to the insurance and financial services needs of its clients, helping them to live their lives to the fullest and build their wealth. The AXA Group is active in nearly 60 countries on five continents and serves more than 50 million insureds. Like millions of people around the world, Canadians are realizing that critical illness coverage is an essential component of any comprehensive program of financial security. LifeBeat provides that coverage, ensuring that you, your loved ones and/or your business associates are not financially burdened by the consequences of a critical illness.

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Note: All Horizon Professional Members will be eligible for a lifetime discount on insurance policy premiums. Additional details available Contact Us today.

“Your Critical Illness & Long Term Care Insurance Specialists”

For more information, go to the Horizon Planning Group Inc. web site at www.bestplans.ca/AXA &