Golden Protection

Ideal for hard-to-insure clients with medical conditions.

Product details:

Coverage is immediate, as soon as the policy is issued.

Issue ages: 18-85

Coverage amounts​

  • Minimum coverage: $5,000 (ages 40-70) $2,500 (ages 71-85)
  • Maximum coverage: $100,000 (ages 40-70), $50,000 (ages 71-80), $25,000 (ages 81-85)

Premium payment options:

  • Life pay (ages 40-85; payable to attained age 100)
  • 20-year pay (ages 40-80)

Guaranteed Values:

  • Cash surrender values start after the fifth anniversary of the policy
  • Guaranteed reduced paid-up insurance start after fifth anniversary of the policy

Included benefits:

  • Living Benefit: 50% of sum insured in case of terminal illness
  • Transportation Benefit (200km/up to $2,000)

Optional riders:

  • Accidental Death
  • Accidental Fracture Plus
  • Child Insurance Benefit

Application Process