Critical Illness Insurance
Are You Eligible For Critical Illness Insurance?
Take The Eligibility Test And Find Out!
Critical Illness (C.I.) Insurance applications are assessed differently than Life Insurance applications.
Life Insurance statistical records have been in existence for over
300 years. C.I. Insurance was just invented in 1982. C.I. claims
statistics and underwriting experiences are still evolving. Benefits
are paid based upon the diagnosis of any one of a number of covered
conditions, regardless of severity, degree of disability or ability to
work. Benefits are paid in a lump sum, tax free, usually 30 days after
confirmation of the diagnosis.
This 10 point pre-screening exercise will help determine if you are
eligible for a personal C.I. Insurance policy. The exercise analyzes
the following factors:
- Age , Gender and Smoking status
- Build (Height and Weight)
- Present Health Vitals
- Personal Health History
- Family Health History
- Lifestyle (Occupation / Sports & Hobbies)
- Driving Record
- Alcohol use
- Drug use
- Travel destinations
Let's start Eligibility Test
Age, Gender and Smoking Status:
Longevity continues to increase due in part to healthier lifestyles,
pharmacological advances, medical breakthroughs, public awareness and
medical care. Women tend to live longer than men and any one under age
50 today has a 25% likelihood of celebrating their 90th birthday.
Smoking has proven harmful to one’s health and a 50 year study by
physicians has linked 25 diseases to smoking. In fact, longevity
amongst smokers has actually been declining since the 1970’s.
You present age, gender and smoking status help predict how long you
might live and the longer one lives the greater the possibility of
suffering a critical illness. Your smoking status will indicate whether
you are at an increased risk for certain illnesses.
Build (Height and Weight):
Present Health Vitals:
Uncontrolled hypertension or high blood pressure can lead to serious
health problems or even death. High Blood Pressure often goes untreated
because many individuals, estimates are over 25%, aren’t even aware
they have it. High blood pressure can arise from various conditions
such as heart enlargement, circulatory disorders, diabetes, elevated
lipids, family history, being overweight, proteinuria or tobacco usage.
Personal Health History:
Your health history is important when assessing a critical illness insurance application.
Family Health History:
Family history is an important predictive factor for incidences of
cancer and cardiovascular diseases. Assessment of the family history
risk will vary based on: (1.) the number of affected first-degree
relatives; (2.) their age at diagnosis (not at death); (3.) the current
age of the applicant; and (4.) sometimes the sex of the applicant. The
nature of the diseases involved and its frequency among family members
and the age of onset are all important.
Thank you for taking the Eligibility Test. Although this exercise
may not have considered all circumstances or factors that apply to you
it would appear from these results that you would be: