Payment Insurance

Accident and Sickness

New : a complete solution by adding life to the Disability offer

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A unique Creditor Insurance Product that stands out

Prohealth offers accident and illness payment insurance, guaranteeing your customers’ financial protection in the event of an accident or illness. This product, available to people aged 18 to 64, covers a wide range of personal and business expenses such as rent, mortgage, minimum credit card payments and much more.

Target market

  • For anyone with financial responsibilities who works at least 35 weeks a year and 21 hours a week
  • Suitable for self-employed and home-based workers
  • Ideal for business owners
  • Ideal life for the mortgage market
Assurance vie | Prosanté Assurance Paiements
Assurance vie | Prosanté Assurance Paiements

Target market

  • For anyone with financial responsibilities who works at least 35 weeks a year and 21 hours a week
  • Suitable for self-employed and home-based workers
  • Ideal for business owners
  • Ideal life for the mortgage market
What makes us stand out

Highlights

Disability insurance
  • Wide range of expenses covered
  • Commercial Loan and Overhead Expense Coverage available on a single contract
  • Crucial support in today’s economy
  • Proof of eligible expenses only required at time of claim
  • 20-Year Return of Premium available (50%, 75% and 100%)
  • Additionnal Insurance Option for increasing expenses
  • Monthly credit card payments

 

Term Life insurance additional option
  • Competitive premium
  • Online application for DI and Life simultaneously
  • Underwriting based on DI request
  • No additional medical requirements for life insurance
  • 2 separate contracts will be issued
  • Discount applicable on the purchase of a Prohealth – Payment Insurance contract and a Term Life Insurance contract.
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Protection details

Main features

Disability insurance
  • Issue age: 18 to 64 years
  • From $500 to $10,000 maximum. Non-integrated, non-coordinated
  • No occupation refused
  • Type of expenses: personal, business and overhead expenses. See the complete list 
  • No limitations for home-based and self-employed workers
  • Level premium until age 65 and guaranteed for the first 5 years of the contract
  • Guaranteed renewable to age 100
  •  Employment stability discount

 

Term Life insurance additional option
  • Term 10, Term 20 and Term 65
  • Issue Age:
    • Term 10: from 18 to 55 years old
    • Term 20: from 18 to 45 years old
    • Term 65: from 18 to 60 years old
  • From $100,000 to $1,000,000 maximum (based on the Insured’s age and chosen DI benefit amount)
  • Garanteed premium for the chosen Term
  • Conversion allowed up to 65 years old
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