We’d Appreciate Your Opinion!

Assumption: 40 year old Male and Female clients.

How would you like to have a comprehensive, build you own Critical Illness Insurance plan which includes an option that when they reach age 70 they can turn the clock back to their present age of 40, and purchase an innovative Long Term Care policy, based on rates for a 40 year old. We don’t mean the rates as they will be for a 40 year old in 30 years – we mean the same rates as those a 40 year old would pay today, and they wouldn’t have to worry about any medicals or even occupational restrictions or exclusions. The purchase of their Long Term Care policy would be contractually guaranteed at their original age at entry.

In addition to providing coverage for traditional Long Term Care ailments, benefits will also be activated upon the diagnosis of any one of the original 29 critical illness conditions. The claim payment benefits are flexible after age 70 and payable for life, with a minimum 5 year guarantee. There are no restrictions regarding medical supervision, location of care, type of treatment, certification of caregivers or the need to keep monthly expense records to justify benefits.

The premiums for the Critical Illness policy, as well as the Long Term Care policy, are completely guaranteed. In addition, you can purchase any or all three of these optional riders: Return of Premiums at Death; Return of Premiums at Expiry (Age 70); and Comprehensive Critical Care rider.

The Comprehensive Critical Care rider covers any serious illness, disease or accidental injury not otherwise covered under the base policy. The Return of Premiums at Death rider pays a tax-free refund to a named beneficiary upon death. The Return of Premiums at Expiry (Age 70) rider offers two choices: take a full refund and terminate the policy at age 70; or, convert to the Long Term Care plan and receive a discount of 25% off the base plan’s premium plus receive a 25% refund of premiums paid, while continuing full coverage. In many cases, the 25% refund can be used to prepay the policy after age 70.

Your financial security advisor can help you determine your needs and decide if this product is best for you. Request product information or a free price quote

If you are a Financial Planner or Life Insurance Broker and are interested in adding such a product to your portfolio - complete our on-line form to receive a Broker Kit.

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 or call 1-877-683-9322.