Effective July 7, 2008, the Vital Link Basic plan (three illnesses) will no longer be for sale and the name “Vital Link Plus” will become simply “Vital Link.” The Vital Link definitions for 22 of the 23 insured conditions will reflect new industry benchmark definitions.
Lorne’s comments
This is a good news–bad news scenario. Empire Life’s Vital Link Basic was a stripped-down critical illness plan for cost-conscious consumers. It provided a workable alternative for applicants on tight budgets.
The good news is that Empire Life’s Vital Link Critical Illness plan is still well priced and has a host of built-in features. It is also great to see Empire Life participating in the insurance industry’s push for standardized definitions.
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Thanks Tony. The premiums will depend on the your age, smoking status and face amount. We will send you a separate email now.
Regards, LSM
I would like to know how much a policy would cost me monthly.
Thanks for the note. Critical Illness and disability insurance are separate things. Critical Illness pays out a lump sum when the insured is diagnosed with a covered critical illness.
Disability insurance replaces the insured income if they are disabled due to an injury and or an illness. If you are covered under a group policy you should check with your broker or Empire Life directly if you are covered. Their CSC is 1.800. 561.1268
Does Empire life cover for long term or short term disability. If a person has to be off work because of cancer treatments