Critical Illness Insurance

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A critical illness can strike anyone at any time, and the odds of surviving are better than ever with today's medical breakthroughs. Worrying about being a financial burden on their family or business is the last thing your clients want, should the unexpected happen.

To meet different insurance needs, Empire Life offers two critical illness insurance solutions:

  • Empire Life CI Protect – a simple, affordable solution for critical illness protection
  • Vital Link – a comprehensive critical illness insurance solution

Empire Life CI Protect Plan Highlights

  • Covers the 4 conditions that account for 88%1 of paid CI claims: cancer, heart attack, stroke and coronary artery bypass2
  • Application process uses life insurance underwriting with no additional health insurance requirements
  • 10-year renewable term with guaranteed initial & renewable premiums that increase every 10 years to age 75
  • Available for individual coverage and as a rider3 for Solution Series or EstateMaxTM policies
  • Built-in $1,000 death benefit if insured dies from any cause before becoming eligible for the CI Protect critical illness benefit

Vital Link Plan Highlights

  • 23 covered illnesses or medical conditions, including loss of independence
  • Two types of return of premium options that allow clients full recovery of eligible costs after either 15 years or by age 75 with values starting as early as 10 years after issue
  • Our covered condition definitions are aligned with market, except for Parkinson’s disease as our definition is currently more favourable
  • Children’s critical illness rider specifically designed to cover 15 child related conditions
  • Clients can add any term or whole life Solution plan as a rider3 and save fees
  • Preferred Annuity Guarantee - Empire Life offers an exclusive benefit that guarantees clients the ability to convert all or part of their critical illness benefit into a life annuity with a 5% income bonus - no questions or hassles




1 Munich Re 2014 Individual Insurance Survey.
2 Please refer to the policy contract for specific definitions of each condition
3 Subject to business rules