Medipac Guaranteed Acceptance Life Insurance

Coverage made simple and affordable - BUY ONLINE!

The Medipac Guaranteed Acceptance Life Insurance Plan is endorsed by the Canadian Snowbird Association, and is available to Canadian residents between the ages of 50 and 80, regardless of health.

If this describes you or your spouse, then just by applying you automatically qualify for up to $25,000 in coverage without any medical questions or examinations when you apply.

Choose the coverage that suits your needs!

Depending on the plan you choose, you can select up to $25,000 of coverage (in $5,000 units) with no additional medical questions to answer or examinations to take when you apply.

Take a look at some of the benefits plan offers:

• Guaranteed Acceptance regardless of health – no medical questions to answer or examinations to take when you apply.
  

• Lifetime protection that starts as low as $12.56 a month for female non-smokers, and $10.77 with the Guarantee PLUS plan.++

• Your premium will never increase provided you maintain continuous coverage - but premiums cease after age 100, while coverage continues.

• In the event of accidental death* before age 85, your beneficiary could receive a benefit equal to five (5x) times your coverage amount.
  

• If you’re diagnosed with a terminal illness with 12 months or less to live, you can apply for a Living Benefit cash advance of up to 50% of your own coverage (as long as your coverage has been in effect for at least 2 years).
  

• Satisfaction guaranteed! If you are not completely satisfied, simply return your policy within 30 days to receive a full refund of your premiums – guaranteed.

++The Guaranteed PLUS plan is available to clients that have qualified for and purchased the Medipac Preferred Plus Travel Insurance within the previous 12 months.

Your Benefits:

During your first two years of coverage, benefits are payable as follows:

Cause of Death	Age	Benefits Payable
Non-accidental causes other than suicide**	Any age	Refund of all premiums paid plus 10% annual compound interest
Accidental	Any age	Five times your chosen coverage amount

Following your first two years of coverage, benefits are payable as follows:

Cause of Death	Age	Benefits Payable
Non-accidental	Any age	Your chosen coverage amount
Accidental	Prior to age 85	Five times your chosen coverage amount
Accidental	At age 85 or older	Your chosen coverage amount

If you have any questions regarding this plan or the Guaranteed PLUS plan, please call: 1-877-474-0044.

* The Accidental Death benefit is payable if your death results from a bodily injury sustained while your policy is in force; is caused by external, violent and purely accidental means, independent of all other causes; and occurs within 365 days of the injury. Benefits are not payable if death results directly or indirectly from: an accident that occurs while you’re intoxicated; voluntary use of illicit drugs, abuse of prescribed medication, poison or toxic substances; high risk activities such as scuba diving; committing or attempting to commit a criminal offence; war or insurrection; disease; infection; medical or surgical treatment; or an injury that has no visible wound or contusion.

**Suicide Exclusion – If your death is the result of suicide within the first two (one year with the Guaranteed PLUS Plan) years of coverage, a death benefit will not be paid to your beneficiary. Instead, your beneficiary will receive a refund of all premiums paid.