IWME Life IWME Critical Illness IWME Disability Debt IWME Disability Income

Simplified & Guaranteed Issue Life Insurance IWME – Coverage for Everyone

Main features

Simplified Issue
Gold, silver, bronze

Guaranteed Issue
Copper

Issue age

T10, T20: From 18 to 70 years inclusive
T100: From 18 to 80 years inclusive

Available terms

T10, T20 or T100

Benefits offered

Term 10 or Term 20 years : minimum0 $5,000, maximum $300,000 or $500,000*
Term 100: minimum $5,000, maximum $100,000*

T10 or T20: From $5,000 to $300,000 or $500,000*
T100 (ages 18 to 70): $5,000 to $100,000*
T100 (ages 71 to 80): $5,000 to $50,000*

Renewal

Term 10 or 20 years: guaranteed renewal until age 80

Premium

Guaranteed premium for the chosen period

Beneficiary

As designated by the policyholder.

Pre-existing condition clauses

12 or 24 months

N/A

Deferred period

N/A

No benefit during the 24 months period following the underwriting except in the event of an accident

Complete technical sheet

Consult

* The amount of combined Life Insurance coverage cannot exceed $100,000 for Copper, $300,000 for Bronze or $500,000 for Gold and Silver. See the sample policy for more details.

Target Market

People denied elsewhere
Individuals in need of immediate Life Insurance

Clients who are difficult to insure due to: risky occupations, extreme sports, criminal records, pending test, excessive drug and alcohol use, diabetes, HIV and more.

Target Market

People denied elsewhere
Individuals in need of immediate Life Insurance

Clients who are difficult to insure due to: risky occupations, extreme sports, criminal records, pending test, excessive drug and alcohol use, diabetes, HIV and more.

WHAT MAKES US STAND OUT

Highlights

Only 6 eligibility questions (online) for Simplified Issue
Issued instantly
No medical exam required
No questions about previous declines
No deferral period for Simplified Issue
No reduction in coverage based on insurability
No questions about height or weight*
No driving record or medical reports required
No questions about dangerous sports
No questions about foreign travel
No questions about type of occupation
Monthly credit card payment with no additional fees
Competitive commission

*For T10 and T20 Life insurance request over $300,000, height and weight question will be asked.

Guides and documents

To obtain more information about IWME from Humania Assurance, we invite you to download and consult the documents below:

The life insurance T10-T20 sample policy – Simplified Issue

The life insurance T10-T20 sample policy – Guaranteed Issue

The life insurance T100 sample policy – Simplified Issue

The life insurance T100 sample policy – Guaranteed Issue

Product Guide – Simplified Issue

Product Guide – Guaranteed Issue

IWME Life technical sheet – Simplified Issue

IWME Life technical sheet – Guaranteed Issue

The guarantee of refund of premiums after 20 years (optional)

Flyer – Insurance Without Medical Exam

Flyer – Insurance Without Medical Exam Credit concept

Non face-to-face sales document

IWME Life

IWME Life T100: Now up to Age 80

Simplified & Guaranteed Issue Life Insurance IWME – Coverage for Everyone

Target Market

Target Market

Highlights

Guides and documents

Contractual documents

Product technical documents

Marketing materials