Optional Riders

Customize your LifeAdvance critical illness insurance policy to suit your individual needs with our optional benefit riders.

Second Event Rider

Provides you with a limited amount of coverage for a second critical illness if you receive a critical illness benefit for heart attack, life-threatening cancer or stroke before age 65.

If your first claim is for heart attack or stroke, second event coverage will be provided for life-threatening cancer. If your first claim was for life-threatening cancer, second event coverage will be provided for heart attack.

Return of Premium Riders

We offer a choice of return of premium riders designed to return some or all of the eligible premium paid for the policy to the owner if you don’t suffer a critical illness.

• Return of premium at withdrawal – 4 versions of this rider are available with a variety of option dates and return of premium amounts to best suit your needs. Full and partial withdrawals are available on each of the option dates and a paid-up option is built-in to 3 of these riders.
• Return of premium at withdrawal or expiry – full and partial withdrawals are available on each of the option dates and a policy expiry benefit is built-in to each of these riders.
• Return of premium at expiry – eligible premium is returned on the policy expiry date if the policy is maintained.
• Return of premium at death – eligible premium is returned if you die from any cause.

Loss of Independent Existence Rider

A lump sum benefit is payable to the owner if this optional rider is included in the policy. If you elect this rider, the Loss of Independent Existence is included as an insured condition under the policy, increasing the number of critical illness insured conditions from 24 to 25.

Disability Waiver of Premium Rider

If you’ve been totally disabled for 90 days, we will waive the premium while your total disability continues.