No Medical Disability

If the insured’s disability does not result from a pre-existing condition, the insurer will pay each month while the insured is totally disabled, the eligible benefit indicated in the policy summary after a 90-day waiting
period for a maximum of 24 months, subject to the policy limitations and exclusions.

Amount of coverage  - Minimum $400, maximum $2,500 a month.
Waiting period -  90 days.
Benefit Period - 24 months.

Age limit upon purchase - Available to persons 18 to 55 years old (inclusive).
Type of contract - Term 10 or 20 years depending on the option chosen by the person insured.
Renewal - Guaranteed to age 65.
Premiums - This policy has premiums that change every 10 or 20 years, depending on the option selected by the policyholder. The premium is not guaranteed, and the Insurer may revise the premium at any time, based on the morbidity experience for insureds who have contracts with similar characteristics. Retroactive Benefit If the Person Insured receives Total Disability benefits for six (6) consecutive months, the Insurer will pay a lump sum benefit equal to the Total Disability benefits that would have been paid during the Waiting Period as though the Waiting Period did not apply.
Covered Disabilities - Any total disability resulting from an accident or sickness.
Waiver of Premium - 3 months.
Coordination - 100 %.
Integration - $1,200 non-integrated.
Beneficiary - Person insured.
Pre-existing condition - A pre-existing condition of 12 or 24 months apply (varies according to the
policy purchased by the Person insured).
Refund of Premium Rider (optional) - After 20 years without claim, receive a premium refund of up to 75% of total
premiums paid.
Exclusions and restrictions - Please refer to the Disability Insurance policy for full
details.