1. While we wish you every success battling this disease, there will be few, if any options available to purchase life insurance now or in the future.
  2. The basic benefit for the first two years of coverage is 100% of the premiums paid plus 10%. The sooner the program is activated, the sooner your full policy benefits will be payable.
  3. Guaranteed issue life insurance products like this plan may not be offered at this price or may be removed from the market altogether in the future. By buying now, your premiums will never increase and your policy will never be canceled provided you continue to pay premiums.
  4. You can purchase this product immediately in the privacy of your own home.
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30 Day Satisfaction Guarantee

Once your receive your insurance policy, examine it carefully. If you decide that you are not completely satisfied, simply return your policy to Manulife Financial within 30 days of receipt to have your coverage cancelled and your premiums refunded in full - no questions asked!

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Your Acceptance is Guaranteed!

Apply Now! If you're living with Alzheimer's disease but haven’t yet authorized a Power of Attorney over your affairs, this is the best time to get covered because there is no medical exam or questionnaire required! In fact, you are already approved if you are a Canadian resident age 40 to 75.

As independent financial advisors, Barrons Financial Advisory Services Ltd., has surveyed the market and selected one of Canada's largest insurance companies Manulife Financial to offer Guaranteed Issue Life Insurance:

  • You can select from $5,000 up to $25,000 of life insurance coverage
  • No medical or health questions asked
  • Five times the amount of coverage if you die accidentally
  • Living Benefit available
  • Premiums guaranteed and cease at age 95
  • Coverage cannot be cancelled
  • 100% Money Back guarantee
And, by applying today you start the "return of premium plus 10%" feature explained below.

Knowing you have helped protect your loved ones from a potential financial burden will hopefully give you the peace of mind necessary to fight your battle against this disease.


An Affordable Way to Give Your Loved Ones Extra Security

  • Your Acceptance is Guaranteed: Unlike most life insurance coverage, the Guaranteed Issue Life Insurance plan does not require any medical underwriting. That means that as long as you are a Canadian citizen age 40 to 75, your acceptance is guaranteed - no matter what your health, you can apply for coverage levels from $5,000 up to $25,000. No medical exam or questionnaire is required. You cannot be turned down for any reason! Simply apply online now. Your spouse can apply for coverage on the Application Form at the same time you do.
  • Benefit Increases to Five Times the Coverage Amount, if Accidental Death Occurs Before Age 85: Depending on the amount of coverage you have, your beneficiaries could receive up to $125,000!
  • Includes a Living Benefit - at No Additional Cost: You'll gain the added security of knowing that if you are diagnosed with a terminal illness, you can apply to receive a cash advance of up to 50% of the life insurance benefit as an interest-free loan, provided coverage has been in force for at least two years. You can use the money however you wish.
  • Premiums Are Guaranteed and Cease at Age 95: Your coverage is guaranteed for life. Your premiums will never increase and at age 95, you continue to be insured - without paying another premium!
  • Coverage Cannot be Cancelled: Your 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.
  • 30-Day Satisfaction Guarantee: Once you receive your Insurance Policy, examine it carefully. If you decide that you are not completely satisfied, simply return your Policy to Manulife Financial within 30 days of receipt to have your coverage cancelled and your premiums refunded in full - no questions asked!

Product Comparison

  Manulife AIG Unity
Age Eligibility 40 to 75 40 to 75 50 to 80
Can I select the amount I want? Yes No -amounts are set at various ages Yes
Maximum Life Amounts $25,000 at all ages Differs by sex e.g. Female Age 50 $17,550 $25,000 at age 50 reducing by $500 per year
Additional Features      
No Medical Questions Yes Yes AIDS/HIV exclusion
Accidental Death 5 times Life Amount prior to age 85 5 times Life Amount prior to age 85 2 times Life Amount prior to age 70
Living Benefit
Yes No No
Return of Premium Yes - 1st 2 years Plus 10% interest Yes - 1st 2 years Premiums only Yes - 1st 2 years prior to age 70
Premiums Payable to what age? Age 95 Lifetime Maximum 20 years
Cash Surrender Value No No Yes - Minimal



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