Ancillary benefits

Ancillary benefits are not free-standing benefits. Rather, they support the main standalone benefits on a policy. These benefits provide valuable, additional cover with little or no additional underwriting needed.

We offer 3 ancillary benefits:

• Guaranteed Insurability
• Crisis Waiver
• Flexible Cover

All 3 of these benefits offer:

• 2 guarantee periods: fixed (15 years) and experience rated (annually reviewable)
• Voluntary escalations of 0%-15% (premium and benefit)
• Minimum entry ages of 18
• Maximum entry ages of either 55 or 60

Benefits in this range: