La Capitale Simplified Issue Critical Illness Plan


La Capitale offers a one page, six question, Simplified Issue Critical Illness Plan. The policy pays out upon the diagnosis of one of six critical illnesses: stroke, coronary artery bypass surgery, heart attack, potentially fatal cancer and coma paralysis. It’s available in coverage face amounts of $10,000, $25,000 and $50,0000.

The plan has no medical tests and is available in three plan types:

  1. A 10-year Term Renewable Fixed Policy. The premiums on this policy are guaranteed for the first ten years and increase every ten years thereafter.

  2. A Term to age 75. The premiums on this policy are fixed and guaranteed until age 75.

  3. A Term to age 75 with a return of premium option. The premiums are fixed to age 75 and the policy is paid up at 65. The insured has a return of premium option at age 65 as well.

The following is a pricing example for a 50-year-old, male non-smoker with $50,000 of coverage:

Term 10 policy      : $51.25/month

Term to 75 policy : $71.46/month

Term to 75 with Return of Premium policy: $104.88/month

You can get additional details by visiting our Critical Illness Online Instant Quote Page or by calling 1-866-899-4849.

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