Click Here to view a product brochure
EQUILIVING.....CRITICAL ILLNESS INSURANCE
Nobody likes to think about the possibility of being diagnosed with a critical illness, but it's a possibility that we just can't afford to ignore.
Fortunately, with today's medical advances, there's a ray of hope: the odds of surviving diagnosis of a critical condition are far more likely than ever before. But how would survival of a critical illness impact your finances?
Could you afford to:
- Pay off your mortgage and other debts?
- Pay for the best treatment, wherever it may be available?
- Continue saving for your retirement, your children's education, or a dream vacation or other life-long goal?
Yes...you can!
EquiLiving®...protection when it's critical!
EquiLiving critical illness insurance from Equitable Life offers you:
- 25 covered Critical Conditions
- A choice of 3 plan types
- A lump sum benefit when it's critical
- Access to the Best Doctors® service
- Automatic Return of Premium on Death
- Additional Optional Riders
Printable Product Information *(Adobe Acrobat required)
How much EquiLiving critical illness coverage do I need?
25 Critical Conditions covered by EquiLiving®
- Heart Attack
- Cancer (Life Threatening)
- Stroke
- Alzheimer's Disease
- Aortic Surgery
- Aplastic Anemia
- Bacterial Meningitis
- Benign Brain Tumour
- Blindness
- Coma
- Coronary Artery Bypass Surgery
- Deafness
- Heart Valve Replacement
- Kidney Failure
- Loss of Independent Existence
- Loss of Limbs
- Loss of Speech
- Major Organ Transplant
- Major Organ Failure on Waiting List for Transplant
- Motor Neuron Disease
- Multiple Sclerosis
- Occupational HIV Infection
- Paralysis
- Parkinson's Disease
- Severe Burns
EquiLiving® offers three plan types to choose from:
EquiLiving 10 Year Renewable to Age 75 - providing level critical illness insurance protection, your policy will renew and your guaranteed premiums will increase every 10 years to reflect the increasing cost of the coverage as you age. At the policy anniversary nearest your attained age 75, your EquiLiving policy expires
EquiLiving Level to Age 75 - providing level critical illness insurance protection, your guaranteed premiums will remain level until the policy anniversary nearest your attained age 75, when your EquiLiving policy expires.
EquiLiving Level to Age 100 - providing level critical illness insurance protection, your guaranteed premiums will remain level until the policy anniversary nearest your attained age 100, at which time no further premiums for the policy are required.
EquiLiving® provides you with a lump sum benefit when it's critical...
EquiLiving Benefit
Equitable Life will pay the EquiLiving benefit amount to you in a lump sum following the diagnosis by a licensed physician in Canada, the US, or other region as approved by Equitable Life of a covered critical condition as defined in the policy contract and satisfaction of the specified survival period. The lump sum payment is made to you, and you may use it however you wish to make your life with a life-altering condition more comfortable.
Early Detection Benefit
EquiLiving also automatically includes an Early Detection Benefit. This benefit provides you with a one-time lump sum benefit if you are diagnosed with and survive the survival period applicable to Coronary Angioplasty or one of the following forms of non life-threatening cancer: Early Prostate Cancer, Ductal Breast Cancer, or Superficial Malignant Melanoma. The Early Detection Benefit will be the lesser of 10% of your then current EquiLiving benefit amount and $25,000. The Early Detection Benefit is payable only once for one of the Early Detection Benefit covered conditions. Payment of the Early Detection Benefit will not cause your policy to terminate, reduce your EquiLiving benefit, your Return of Premiums on Death, or your policy premiums.
EquiLiving and Best Doctors®...Protection When It's Critical and Information When It Matters Most
Because EquiLiving is designed to help you live with a critical illness, Equitable Life has established a relationship with Best Doctors. Best Doctors, Inc. is a company that gives you the extra protection and peace of mind that comes from knowing that, if the worst happens, help in finding the best medical care - not just in your city, province or country, but internationally - is just a phone call away. Access to the Best Doctors suite of services is currently available to EquiLiving policyholders, at time of claim.
The Best Doctors service is not a contractual service or benefit under the policy. It is an extra service offered by Equitable Life to policyholders, and Equitable Life is not obligated to provide or continue this service under the terms of your policy. Consequently, Equitable Life may, in its sole discretion, cancel access to the service at any time without notice to you. Services are provided solely by Best Doctors. Equitable Life shall have no liability or responsibility for such services.
Best Doctors trademarks and logos are trademarks or registered trademarks of Best Doctors, Inc. in the U.S. or other countries, and are used under license.
EquiLiving® - Return of Premiums on Death
This benefit is automatically included with all three EquiLiving plan types. If you die at any time while your EquiLiving policy is in force and no EquiLiving benefit has been paid or is payable, Equitable Life will return to your beneficiaries an amount equal to the applicable premiums you paid, up to a maximum of the EquiLiving critical illness sum insured.
Personalize your EquiLiving plan by adding any of the following optional riders:
- Return of Premiums on Surrender/Expiry Riders
- Disability Waiver of Premium Rider
- Accidental Death Benefit Rider
- 10 or 20 Year Renewable and Convertible Term Life Insurance Rider