Critical Illness Insurance Canada Protection Plan Makes Pays You Benefits Now, Critical Illness Insurance When You Need It the Most

Total Page:16

File Type:pdf, Size:1020Kb

Critical Illness Insurance Canada Protection Plan Makes Pays You Benefits Now, Critical Illness Insurance When You Need It the Most Our Critical Illness Insurance Canada Protection Plan makes pays you benefits now, Critical Illness Insurance when you need it the most. aordable & easy. Critical Illness Insurance pays YOU while you are living. Having Critical Illness Insurance provides you with peace of Receive a tax-free lump sum payment to help oset costs such mind during a very stressful time. It’s also a good part of any as medical expenses, travel during treatment and lost salary. solid financial plan. Canada Protection Plan makes it easy to This is insurance that takes away the stress and worry of apply, with four aordable options. covering these expenses so you can focus on getting well. You may qualify to enjoy a valuable package of Canada Protection Plan's Critical Illness insurance includes: member benefits* From online document preparation service** for creating No medical tests or exams customizable wills and powers of attorney to competitive scholarships and more. You could be covered in just under a day When you receive your policy, all benefits will be outlined. Coverage for Cancer survivors Bundle and you can save time and money when purchasing Receive up to $100,000 of protection both Life and Critical Illness Insurance. You may be eligible to apply, For more information and to apply, speak with even with a pre-existing condition your Advisor or contact Canada Protection Plan. Coverage up to age 75 Payments start in the second month - applicable on monthly payment plans Critical Illness Insurance *Foresters Financial member benefits are non-contractual, subject to benefit specific Financial protection to help you eligibility requirements, availability, definitions and limitations and may be changed or cancelled without notice. stay focused on getting well You may not expect to become **Not available in Quebec, the Territories and Nunavut. seriously ill. But it could happen. 1-877-447-6060 250 Ferrand Drive, Suite 1100 Toronto, Ontario M3C 3G8 Email: [email protected] Critical Illness Insurance can help www.cpp.ca protect you and your loved ones. CANADA PROTECTION PLAN and the logo are trademarks of Canada Protection Plan Inc. Used under licence. Underwritten by Foresters Life Insurance Company. BRO-CNSR-CI0720EN If you were faced with a Our Four Critical Illness Insurance Plans critical illness would you be provide flexibility along with aordable premiums financially prepared? About 1 in 12 Cardiac Protect CI: Cardiac AND Cancer Protect CI: Canadians is living Receive one tax-free payment up to $50,000 in the event of a Get coverage for both. Receive 2 tax-free payments of up to with diagnosed Heart Attack, Stroke, Aortic Surgery, Coronary Artery Bypass $50,000, one for each plan. If you claim on one plan, the other heart disease 1 Surgery or Heart Valve Replacement or Repair. plan remains in eect, making you eligible for a total of 2 claim payments. Canada Protection Plan provides flexible coverage, Approximately 1 in 2 Canadians will be plus a reduced premium after the first claim on this plan. diagnosed with cancer in their lifetime 2 The numbers may be sobering, but it’s comforting to know that Cancer Protect CI: Cardiac OR Cancer Protect CI: today’s medical advances are rapidly raising life expectancies. Receive one tax-free payment up to $50,000 in the event of Get coverage for either. Receive one tax-free payment up to Cancer, Aplastic Anemia or Benign Brain Tumour.* $100,000 in the event of the first illness. What if the unexpected did happen? If you were facing a critical illness such as cancer, a heart attack or stroke, would you and your loved ones be financially protected? Canada Protection Plan oers aordable * Canada Protection Plan offers coverage for these last two conditions, in Recovery could take a while, and you may not be fully covered by Critical Illness Insurance plans that are addition to typical Cancer coverage currently available in Canada. work benefits or Employment Insurance. Facing a critical illness is designed dierently. hard enough. That’s why Canada Protection Plan’s Critical Illness Critical Illness Insurance usually lumps major conditions Insurance plans are designed to take stress away. such as cancer, heart attack and stroke all under one policy. This means you may be ineligible for Critical Did You Know? Illness Insurance if you had any one of these conditions in the past. With Canada Protection Plan you have the Typical Disability Insurance will not cover you if you option to be covered for each plan separately if you are deemed able to work choose, or be covered for both. You decide. Your employer’s Insurance benefits may be capped Employment Insurance can last a maximum of Do you have heart disease? 15 weeks; this can vary by province You may be eligible for Cancer coverage. With Critical Illness Insurance, Do you have cancer? You may be eligible for Cardiac coverage. you wouldn’t have to worry about any of this Sources: 1 Government of Canada 2 Canadian Cancer Society.
Recommended publications
  • Escribe Agenda Package
    Council Minutes 14th Meeting of City Council July 24, 2018, 4:00 PM Present: Mayor M. Brown, M. van Holst, B. Armstrong, M. Salih, J. Helmer, M. Cassidy, P. Squire, J. Morgan, P. Hubert, A. Hopkins, V. Ridley, S. Turner, H. Usher, T. Park, J. Zaifman Also Present: M. Hayward, A. Anderson, A.L. Barbon, M. Balogun, B. Card, B. Coxhead, S. Datars Bere, J.M. Fleming, L .Hamer, G. Kotsifas, L. Livingstone, D. O’Brien, A. Patis, C. Saunders, K. Scherr, M. Schulthess, S. Spring, S. Stafford, B. Warner, B. Westlake- Power, R. Wilcox and J. Wills. The meeting is called to order at 4:00 PM. 1. Disclosures of Pecuniary Interest Councillor J. Morgan discloses a pecuniary interest in item 3.5 of the 12th Report of the Planning and Environment Committee, having to do with a planning application for the property located at 230 North Centre Road, by indicating that the subject property is adjacent to property owned by his employer, the University of Western Ontario who has expressed concerns with respect to the planning application. Councillor S. Turner discloses a pecuniary interest in item 5.1 of the 11th Report of the Community and Protective Services Committee, having to do with a request from the Middlesex-London Health Unit (MLHU) with respect to a funding request for office space fit-up, by indicating that MLHU is his employer. Councillor T. Park discloses a pecuniary interest in item 4.1 of the 12th Report of the Planning and Environment Committee, having to do with an application for Brownfield Incentives for the property located at 391 South Street, by indicating that her family owns property in the area.
    [Show full text]
  • November 19, 2016 OTTAWA, LE Samedi 19  Novembre 2016
    Vol. 150, No. 47 Vol. 150, no 47 Canada Gazette Gazette du Canada Part I Partie I OTTAWA, SATURDAY, NOVEMBER 19, 2016 OTTAWA, LE SAMEDI 19 NOVEMBRE 2016 Notice to Readers Avis au lecteur The Canada Gazette is published under the authority of La Gazette du Canada est publiée conformément aux the Statutory Instruments Act. It consists of three parts dispositions de la Loi sur les textes réglementaires. Elle as described below: est composée des trois parties suivantes : Part I Material required by federal statute or Partie I Textes devant être publiés dans la Gazette du regulation to be published in the Canada Canada conformément aux exigences d’une Gazette other than items identified for Part II loi fédérale ou d’un règlement fédéral et qui ne and Part III below — Published every Saturday satisfont pas aux critères de la Partie II et de la Partie III — Publiée le samedi Part II Statutory instruments (regulations) and Partie II Textes réglementaires (règlements) et autres other classes of statutory instruments and catégories de textes réglementaires et de documents — Published January 13, 2016, and documents — Publiée le 13 janvier 2016 et au at least every second Wednesday thereafter moins tous les deux mercredis par la suite Part III Public Acts of Parliament and their enactment Partie III Lois d’intérêt public du Parlement et les proclamations — Published as soon as is proclamations énonçant leur entrée en reasonably practicable after royal assent vigueur — Publiée aussitôt que possible après la sanction royale The two electronic versions of the Canada Gazette are Les deux versions électroniques de la Gazette du Canada available free of charge.
    [Show full text]
  • Canada Protection Plan™ Application for Life Insurance
    Canada Protection Plan™ Application for Life Insurance Distributed by Application Checklist To ensure priority service: 1 | Ensure that all applicable questions are completed before submitting. 6 | If premium payment is monthly by Pre-Authorized Debit (PAD), Print legibly in dark ink. Do not use “ditto” marks. Do not draw a line include a void cheque or complete the banking information on through any questions or answers. Do not make erasures or use liquid page 6 (see sample cheque below). For monthly (PAD) payment paper. If you cross out an error, each person signing the application method, there is no premium debit for the first month. must initial it. 2 | Attach an illustration for each policy applied for. 3 | Submit applicable disclosure forms if replacing existing life insurance. 4 | Note that the initial premium will be applied on the policy date, which Cheque Number Account Number will be the date the policy is actually issued. Transit Number Financial Institution Number 5 | If premium payment is annual, ensure that the initial premium is paid with the application. COD applications are NOT allowed. 7 | Each Advisor MUST have a valid licence and E&O on file with If the initial premium is to be paid by cheque, include a current Canada Protection Plan or copies must be attached to this dated cheque payable to Foresters Life Insurance Company application. with the same date as the application. If the initial premium is to be paid by credit card, the frequency 8 | Notify your client that they may receive a verification call from the of premium payments must be annual.
    [Show full text]
  • July 13, 2018 Katharine Rounthwaite, 113 Kendal Avenue, Toronto, Ontario, M5R1L8 Members of Planning & Environment Committe
    July 13, 2018 Katharine Rounthwaite, 113 Kendal Avenue, Toronto, Ontario, M5R1L8 Members of Planning & Environment Committee (PEC) by email: Councillor Stephen Turner, Chair Councillor Anna Hopkins, Councillor Jesse Helmer Councillor Maureen Cassidy COuncillor Tanya Park, Members of the London Advisory Committee on Heritage (LACH) Through the LACH Committee Secretary Re: Demolition request for 172 Central Avenue, London, Ontario Dear Councillors, I am writing to you to oppose the demolition request for 172 Central Avenue, and in support of the position taken by the Architectural Conservancy Ontario-London Regional Branch. The purpose of my submission is to provide some background on the significance of Doctor Oronhyatekha to the Fraternal movement, The Independent Order of Foresters (The IOF), and thereby to the history of London, Ontario, and Canada. I am the former General Counsel of The Independent Order of Foresters (Foresters Financial). Over my many years with The IOF, I learned a lot about its history, and its most important Supreme Chief Ranger (SCR), Dr. Oronhyatekha. Fraternal Benefit Societies in North America (NA) Following the end of the Civil War in 1865 and the founding of Canada in 1867, North America experienced a period of great economic expansion. The foundations of the modern economies of Canada and the USA were being shaped during that time: new financial institutions, new industries, inventions such as the automobile and the telephone, growing manufacturing & mining companies, transportation infrastructure and of course agriculture and its many spinoffs. In what we now call ‘financial services’, the life insurance industry was being born, and the banking and investment industries were maturing.
    [Show full text]
  • 172 Central Avenue.Pdf
    Planner: K. Gonyou Report to London Advisory Committee on Heritage To: Chair and Members London Advisory Committee on Heritage From: John M. Fleming Managing Director, Planning and City Planner Subject: Demolition Request for Heritage Listed Property at 172 Central Avenue by G., P., & C. Mitsis Meeting on: Wednesday July 11, 2018 Recommendation That, on the recommendation of the Managing Direct, Planning & City Planner, with the advice of the Heritage Planner, with respect to the request for the demolition of the heritage listed property located at 172 Central Avenue, that notice BE GIVEN under the provisions of Section 29(3) of the Ontario Heritage Act, R.S.O. 1990, c. O. 18, of Municipal Council’s intention to designate the property at 172 Central Avenue to be of cultural heritage value or interest for the reasons outlined in Appendix D of this report. Executive Summary Summary of Request A demolition request for the heritage listed property located at 172 Central Avenue was submitted. Purpose and the Effect of Recommended Action The purpose of the recommended action is for Municipal Council to issue its notice of intent to designate the property under Section 29(3) of the Ontario Heritage Act with the effect of preventing the demolition of this cultural heritage resource. Rationale of Recommended Action Staff completed an evaluation of the property at 172 Central Avenue using the criteria of O. Reg. 9/06 and found that the property has significant cultural heritage value or interest and merits designation under the Ontario Heritage Act. Analysis 1.0 Background 1.1 Property Location The property at 172 Central Avenue is located on the north side of Central Avenue between St.
    [Show full text]
  • Participant List: 2018
    45th annual executive report & analysis 9 8 1 1 0 0 2 2 PARTICIPANT LISTING U.S. Organizations Accommodation & Goodwill Industries of Construction Columbia University Food Services Southeastern Wisconsin Adolfson & Peterson Columbus Metropolitan Library American Blue Ribbon Holdings Healthcomp Construction County of Albemarle, Va. UNITED STATES Arby’s Restaurant Group Inc. himagine solutions Aegion Creighton University Brinker International Horry County Government Aptim Corp. Dartmouth College Buffalo Wild Wings Inc. IAP Arcadis DePaul University Cooper’s Hawk Intermediate Illinois Credit Union League Black & Veatch EAB Global Inc. Holdings LLC Interpublic Group of Cos. Carpenter Technology Corp. Education Corp. of America Darden Restaurants Inc. Kforce Inc. Centuri Construction Group Emory University Denny’s Inc. One Call Care Management EMCOR Group Inc. Fairleigh Dickinson University Participant Listing Drury Hotels Co. LLC Peliton, an Aureon Co. Fluor FlightSafety International Dunkin’ Brands Inc. Savannah River Remediation GCP Applied Technologies Fox Valley Technical College Hilton Grand Vacations United Rentals Geonerco Management LLC Georgia Institute of Technology Hilton Worldwide URS | CH2M Oak Ridge Gilbane Building Co. HACC, Central Pennsylvania’s LLC (UCOR) HMSHost Haselden Construction Community College US Ecology Inc. Hyatt Hotels K. Hovnanian Indiana State University Vector Security InterContinental Hotels Group KB Home Kamehameha Schools VISIT Milwaukee Jack in the Box Inc. Lennar Corp. Kansas State University Marriott International Inc. Washington River Protection KinderCare Education Solutions LLC M/I Homes Inc. Panera Bread Laureate Education Inc. Waste Management Mario Sinacola & Sons Radisson Hospitality Inc. Excavating Inc. Learning Care Group Inc. WorldVentures Holdings LLC Raising Cane’s Matrix Service Co. Lindenwood University Mattamy Homes Red Lobster Seafood Co.
    [Show full text]
  • Foresters Financial Strength
    Foresters our shared strength A careful guardian of our members’ interests Foresters FinancialTM maintains a strong financial position, with assets of $13.7 billion CDN and a surplus of $2.3 billion CDN1,2. The independent rating agency A.M. Best has given The Independent Order of Foresters an “A” (Excellent) rating for excellent balance sheet strength and operating performance for 16 consecutive years. We focus on strong operational performance, careful management and a conservative investment strategy. Our financial strength has enabled us to weather even the worst business and market conditions. Like all life insurance providers, Foresters is monitored by federal and state regulators, who can take action when there are solvency concerns. As well, in the US, the National Association of Insurance Commissioners’ (NAIC) Risk-Based Capital (RBC) guidelines limit the amount of risk insurers can take and require insurers to maintain enough capital to meet their obligations to policyholders. Foresters RBC ratio exceeds the NAIC guidelines. Where solvency becomes an issue, State Guaranty Associations offer policyholders some protection. These associations were created Foresters is an international financial services by state legislation and funded by provider, with members in the US, Canada and the participating insurers. The Independent UK. We believe in enriching lives and building strong Order of Foresters, as a fraternal benefit communities – that’s our purpose. It has defined us society, is not a member of State Guaranty since 1874, and it helps us continually redefine what Associations, and has no obligation to pay a financial services provider can do for you and your assessments to deal with the insolvency of other insurers.
    [Show full text]
  • July 11, 2018 Members of Planning & Environment Committee (PEC) of the City of London: Councillor Stephen Turner (Chair) Co
    July 11, 2018 Members of Planning & Environment Committee (PEC) of the City of London: Councillor Stephen Turner (Chair) Councillor Anna Hopkins Councillor Maureen Cassidy Councillor Tanya Park Councillor Jesse Helmer Members of the London Advisory Committee on Heritage (LACH), via Committee Secretary Copied: Heather Lysynski, PEC Committee Secretary and Jerri Bunn, LACH Committee Secretary Re: Demolition Request for 172 Central Avenue Dear Councillors, I write to inform you of the historical significance of 172 Central Avenue in consideration of the request before you for the demolition of the listed property. The property holds a rich history as the home of Dr. Oronhyatekha while he lived in London from 1874 to 1889. Dr. Oronhyatekha was the first known indigenous Oxford scholar in Canada and pioneer of the Independent Order of Foresters (IOF), an international Fraternal Benefit Society. In addition to providing life insurance and financial services, the IOF offers valuable benefits to members and the communities in which they live in, including community volunteer grants, academic scholarship programs and emergency financial assistance. Dr. Oronhyatekha was the organization's international leader for 26 years. He played a fundamental role in the financial growth and development of the IOF during his tenure, leading the organization to distribute more than $20 million in social benefits and insurance payments. Dr. Oronhyatekha was responsible for several milestones in the North American life insurance landscape, including championing the rights of women, children and minorities. He promoted and initialized the admittance of women as full members of IOF. Housing and education for orphans of deceased or struggling Foresters members, was an important fraternal benefit Dr.
    [Show full text]
  • Critical Illness Insurance
    Canada Protection Plan™ Application for Critical Illness Insurance Distributed by Application Checklist To ensure priority service and to avoid delays: Ensure that all applicable questions are completed before submitting. If replacing existing insurance, please submit applicable disclosure Print legibly in dark ink. Do not use “ditto” marks. Do not draw a line forms if required in your province. through any questions or answers. If you cross out an error, each person signing the application must initial it. If premium payment is monthly by Pre-Authorized Debit (PAD), include a void cheque or complete the banking information on Note that the initial premium will be applied on the policy date, which page 5 (see sample cheque below). For monthly (PAD) payment will be the date the policy is actually issued. method, there is no premium debit for the first month. If premium payment is annual, ensure that the initial premium is paid with the application. COD applications are NOT allowed. Cheque Number Account Number Transit Number Financial Institution Number If the initial premium is to be paid by cheque, include a current dated cheque payable to Foresters Life Insurance Each Advisor MUST have a valid insurance licence and E&O on file Company with the same date as the application with Canada Protection Plan or copies must be attached to this application. If the initial premium is to be paid by credit card, the frequency of premium payments must be annual Notify your client that they may receive a verification call from the Insurer to verify the information on their application.
    [Show full text]
  • Application for Express Elite Term Insurance
    Canada Protection Plan™ Application for Express Elite Term Insurance Distributed by Application Checklist To ensure priority service - and to avoid delays: Ensure that all applicable questions are completed before submitting. If premium payment is monthly by Pre-Authorized Debit (PAD), Print legibly in dark ink. Do not use “ditto” marks. Do not draw a line include a void cheque or complete the banking information on through any questions or answers. Do not make erasures or use liquid page 6 (see sample cheque below). For monthly (PAD) payment paper. If you cross out an error, each person signing the application method, there is no premium debit for the first month. must initial it. Attach an illustration for each policy applied for. Submit applicable disclosure forms if replacing existing life insurance. Cheque Number Account Number Note that the initial premium will be applied on the policy date, which Transit Number Financial Institution Number will be the date the policy is actually issued. If premium payment is annual, ensure that the initial premium is paid Each Advisor MUST have a valid insurance licence and E&O on file with the application. COD applications are NOT allowed. with Canada Protection Plan or copies must be attached to this application. If the initial premium is to be paid by cheque, include a current dated cheque payable to Foresters Life Insurance Company Notify your client that they may receive a verification call from the with the same date as the application. Insurer to verify the information on their application. If the initial premium is to be paid by credit card, the frequency of premium payments must be annual.
    [Show full text]
  • Foresters Term Life Insurance
    Foresters Term Life Insurance Satiric Flin anthropomorphised or baffle some dyer's-broom prenatal, however lavish Ian stonkers repellantly or mortise. Blinded Sigfrid overworks that Paulinism spumes upwards and parades all-fired. Extroversive Ebenezer disfavours, his gunsmith comedown clamor down. Does Term Life Insurance Have a Cash Value? Mind knowing if they also some people find out your legacy and others to term life insurance company. Nikki is a great front line employee one that can be trusted and counted on. Foresters Strong Foundation. Whose performance will, life insurance forms to get a full range of payments instead of my priority is foresters office for a specific security. Charity Benefit provision not available in NY. The American College in Bryn Mahr, PA. Accumulation Value of your ISWL policy. Plus and is an option for insurance coverage to be in their community offerings, foresters life insurance contract for adding a little more quotes here to. Get so many other benefits, foresters term life is term coverage lasts for your inquiry for an international financial. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance product. And, our extensive collection of historical photographs and newspaper articles provides a virtual journey through time, capturing both important historical landmarks and the shifting needs and expectations of society. Maximum Face Amount No maximum, subject to underwriting. You may not want to think about what would happen if you were to die tomorrow, but if someone relies on you financially, you probably need life insurance.
    [Show full text]
  • WE ARE NOW OPERATING OUR AUCTION LIVE at the Requests of Many of Our Clients, We Are Now Operating This AUCTION LIVE
    Bid Online at: www.HCAauctions.com OR www.INVALUABLE.com/auction-house Please Take Note That We Have Dramatically Changed Our Bidding Procedures. We Now Offer LIVE CLOSING BIDS. This Auction Will Be Live In Two Parts February 27th and February 28th Please Review Rules Pages For Complete Rules. We Will Accept Absentee Bids, As Always. We Will Accept Phone Bids, But only until one hour before the Live Auction Starts. On The Closing Day, We Will Close Each Lot Consecutively On The Internet. We Now Offer Phone Reservations. See The Details On The Rules Pages. Please Call With Questions. 1687 West Buckhill Road, Burlington NC 27215 336-584-3330 1 Live Auction Starts Thursdayday February 27th &28th, 2020 at 11:00 AM WE ARE NOW OPERATING OUR AUCTION LIVE At the requests of many of our clients, we are now operating this AUCTION LIVE. What does that mean? Early Bidders and Phone Bidders: For those who customarily place their bids prior to the closing day, it will have no effect. Simply call us (336-584-3330) with your bids, or place your bids directly on our website (www.HCAauctions.com) as you do now. Please make note however, these bids MUST BE PLACED by the DAY BEFORE the AUCTION DATE. We will not be answering the phone on AUCTION DAY. Early Internet Bidders: You can continue to place your bids on the www.HCAauctions.com site or on the Invaluable site at any time from the AUCTION LAUNCH until each specific lot has been closed. Remember that in a LIVE AUCTION, each lot closes independently, one lot at a time consecutively.
    [Show full text]