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HEALTH INSURANCE: Any of the Comprehensive Health Plans underwritten by Great West life are the ideal way to ensure your health and financial peace-of-mind.
LIFE INSURANCE: The Comprehensive Guaranteed Issue Life Plan guarantees you a measure of protection you can be sure of in this uncertain world.
Wouldn't you like to spend less time worrying about final expenses and debts you may leave behind ... and spend more time enjoying life with the people you love? That is why we designed Comprehensive Guaranteed Issue Life plan.
Other life insurance plans may protect your loved ones from these financial burdens. But the Comprehensive Guaranteed Issue Life plan offers you real peace of mind with guaranteed acceptance, guaranteed rates and much more
Final expenses. Medical expenses. Outstanding loans and credit card debts. Regardless of whether you're working hard and focusing on building your career, raising a family or your family is grown and on their own, the need for financial protection is real - no matter what age or stage you're at in life. Fortunately, with the affordable coverage offered by the Comprehensive Guaranteed Issue Life plan, you'll be able to protect those you care about most with an extra measure of security.
Perhaps you want to ensure that your final expenses are not a burden to those most important in your life. Maybe you'd like your spouse to have an extra financial cushion to fall back on. Or, you'd just like to pass along a little something to your children or grandchildren.
Regardless of your reasons, the Comprehensive Guaranteed Issue Life plan offers you one of the easiest ways to obtain the extra financial protection you want and need.
With Comprehensive Guaranteed Issue Life, your acceptance is guaranteed – no medical exam or health questions are required Unlike most life insurance coverage, the Comprehensive Guaranteed Issue Life plan does not require any medical underwriting. That means that as long as you are a Canadian citizen age 20 to 85, your acceptance is guaranteed*.
* Acceptance is guaranteed upon receipt of initial premium payment(s).
Once you are insured under the Comprehensive Guaranteed Issue Life plan, you can be confident that you made a wise decision.
- Guaranteed acceptance
guaranteed
- No medical questionnaire
- No waiting period
- Lifetime coverage
- No reduction in coverage
- Full accident coverage during the first two years
- Underwritten by Industrial Alliance Pacific Insurance and Financial Services Inc. (“IAP”)
Would you like to ensure that when you pass away, there are no unpaid bills and that your family is able to cover your final expenses?
Are you concerned that you may not pass a medical insurance exam?
If so, Comprehensive Guaranteed Issue Life Insurance is the answer you’ve been looking for.
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The Comprehensive Guaranteed Issue Life plan
offers choice.
Recognizing that different people have different priorities regarding life insurance, the Comprehensive Health Guaranteed Issue Life plan is designed to offer you coverage levels from $2,500 up to $25,000. When deciding on the coverage amount, keep in mind that your final expenses alone could run into thousands of dollars, not to mention any outstanding debts you
may leave behind.
Benefits increase to four times
the coverage amount, if you die
accidentally before age 85.
In the event of accidental death before age 85, your beneficiary could receive an Accidental Death Benefit that is four times your Comprehensive Health Guaranteed Issue Life plan coverage amount! That means that if, for instance, you choose the $25,000 benefit and die before age 85 because of a bodily injury caused by accidental means while your policy is in force, your beneficiary could receive up to $100,000! |
Benefits payable under the Comprehensive Guaranteed Issue Life plan
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| DURING THE FIRST TWO YEARS OF COVERAGE: |
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| Cause of death |
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Benefit payable |
| Suicide |
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Refund of 100% of the premiums
paid, without interest |
| Non-accident* |
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Refund of premiums paid plus
10% interest compounded annually |
| Accident |
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4 X the Life Benefit Amount |
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| AFTER THE FIRST TWO YEARS OF COVERAGE: |
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| Suicide |
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Life Benefit Amount |
| Non-accident* |
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Life Benefit Amount |
| Accident (under 85 years of age) |
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4 X the Life Benefit Amount |
| Accident (at age 85+ years) |
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Life Benefit Amount |
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| * |
Coverage must be in force for at least 2 years before the Life Insurance amount
you choose becomes payable. |
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Coverage includes a Living Benefit that puts you first, when you need it most
In the event of a diagnosis of a terminal illness with a prognosis of less than 12 months to live, you will have the option of applying to receive an advance of up< to 50% of your life insurance benefit, provided your coverage has been in force for at least two years. You can use the money however you wish – to pay for a trip with your family, to pay medical expenses, to pay down a loan –the choice will be yours.
Your coverage is guaranteed premium-free from age 100
Your coverage is guaranteed to continue – without the need for any additional medical information. That means you’ll continue to be covered – even if your health changes in the future. And, after your 95th birthday, you'll continue to be insured – without paying another premium again!
Your coverage cannot be cancelled
Coverage cannot be cancelled for any reason, including changes in your health, as long as your premiums are paid. Of course, you can choose to cancel this protection at any time. |
Low-cost premiums make this coverage easy to budget for Based on an affordable monthly cost,it's easy to ensure that those who matter most in your life have an extra measure of security. Even better, under current legislation the life insurance benefit is 100% tax-free!
Non-smokers enjoy up to 30% lower premiums
Lower premiums are available for those who have not used any tobacco products or nicotine substitutes in the last 24 months or more. If you apply as a smoker, you can still take advantage of this better value by applying to switch to the lower non-smoker rates once you've quit smoking for at least 24 months.
The sooner you apply, the lower your rates will be
The age you are when you apply, your gender and smoking status will determine your premiums. Apply today and you'll save a significant amount because you'll pay the premium rate for your current age, not the higher rate for your age after your next birthday! |
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Select the amount of coverage you need.
Rates are based on your gender, age and smoking status.
To determine the monthly cost of your policy, multiply your rate below by the number of $2,500 units you need (up to $25,000).
Premiums are subject to provincial tax where applicable.
 Download an application
Need more information?
Telephone: 416-484-9921
Toll Free: 1-877-624-4559
email: info@comprehensivehealth.com |
| Guaranteed Monthly Premium per $2,500 unit: |
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Age at Issue |
Male Non-Smoker* |
Male Smoker |
Female Non-Smoker* |
Female Smoker |
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20-29 |
$1.72 |
$2.20 |
$0.58 |
$0.84 |
| 30-34 |
$1.83 |
$2.36 |
$0.62 |
$0.91 |
| 35-39 |
$2.04 |
$3.04 |
$0.82 |
$1.40 |
| 40-44 |
$2.59 |
$4.53 |
$1.16 |
$2.26 |
| 45-49 |
$3.55 |
$7.24 |
$1.69 |
$3.56 |
| 50-54 |
$5.09 |
$11.55 |
$2.52 |
$5.38 |
| 55-59 |
$7.60 |
$17.79 |
$3.92 |
$7.97 |
| 60-64 |
$12.02 |
$26.61 |
$6.36 |
$11.77 |
| 65-69 |
$19.51 |
$38.61 |
$10.71 |
$17.48 |
| 70-74 |
$31.26 |
$54.06 |
$18.34 |
$26.28 |
| 75-79 |
$48.57 |
$73.47 |
$31.07 |
$39.60 |
| 80-85 |
$75.36 |
99.82$ |
$53.55 |
$61.69 |
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| * |
You can spply for non-smoker rates if you have not used any tobacco, marijuana or nicotine products for the last 24 months. Tobacco products include: cigarettes, cigars, cigarillos, pipe, snuf, chewing tobacco, nicorette gum, nicotine patches, etc.
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Applying for coverage is fast
and easy
1. Simply select the coverage that you or you and your spouse have decided on.
2. Complete the on-line application, sign and date the application once filled.
3. Return it, along with a void cheque for pre-authorized withdrawls and the first TWO month’s premium payments. Your coverage will begin on the first day of the month following receipt of your completed application.
Apply for Comprehensive Guaranteed Issue Life insurance today! |
Why buy Comprehensive Health Guaranteed
Issue Life insurance?
Because...
- Your acceptance is guaranteed
- No medical exams or health questions to answer when you apply
- Your coverage cannot be cancelled as long as you pay your premiums
- Lower rates of up to 30% if you are a non-smoker
- Convenient payment options to suit your budget
- The life insurance benefit is 100% tax-free under current legislation
- Tax-free cash advance of up to 50% is available if diagnosed with a terminal illness
- Four times the life benefit paid for accidental death before age 85
- Applying is fast, convenient and easy!
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