HuGO Insurance

Term Life Insurance

A comprehensive solution to cover your clients’ mortgage and other liabilities.

Home Advisor Centre Products and sales platforms HuGO Life

A simplified process thanks to Intelligent Underwriting

The HuGO platform is an intelligent system that allows you to simply and effectively choose the best option for your clients’ needs.
HuGO’s goal: to quickly approve healthy clients at a competitive price with as little underwriting requirements as possible!

Over 65% of customers are approved immediately and receive their contract at home within a few days.

View guides and documents Calculate and compare HuGO

Target Market

Young families
People with mortgages

Companies and businesses
Standard to Moderate risk clients

Target Market

Young families
People with mortgages

Companies and businesses
Standard to Moderate risk clients

WHAT MAKES US STAND OUT

Highlights

Issue Age: from 18 to 70 years old
Benefit amounts: $50,000 to $5,000,000
Available terms: T10, T15, T20, T25, T30, T80, and T100
Exchange for a longer term in the first 5 years
Conversion to T100 available before age 65
Automatically qualify for Critical Illness and Disability Debt for standard rated HuGO Life policies of $100,000 or more*
Three available riders:
- AD&D up to $500,000
- Premium waiver on disability
- Dependant Child Life Insurance – $15,000 and $25,000 options. No underwriting questions asked
Intelligent Web Platform that adapts to client responses
Save time: Most customers (over 65%) will be insured on the spot in less than 45 minutes. Some will be covered in 15 minutes or less.
Pending answers to HuGO application – no built in medical requirements for applications under $1 million
Online process from start to finish – no need for paper applications

*No exclusions, limitations, or pre-existing clauses

Was your client accepted for standard life?

Automatically qualify for two additional policies

If your client has been accepted with standard rates for the HuGO Life product, with a minimum coverage of $100,000, they will automatically qualify for the HuGO Critical Illness and HuGO Debt products with no exclusions or pre-existing conditions.

An offer based solely on Life Insurance underwriting

HuGO Debts

Coverage up to $1,500/month
Guaranteed renewal up to age 65
All occupations accepted

HuGO Critical Illness

Benefit amount: $25,000
25 illnesses covered, including loss of independant existance
Extended, family-based Teladoc Medical Experts Assistance Program

Please note: This is not a rider (it's a separate contract!)

The critical illness and debt insurance promotional offer cannot be purchased once the transaction has been completed. These products must be offered immediately at the time of the HuGO Life transaction.

Avoid unpleasant surprises

A simple and easy to understand product

Your clients will have peace of mind knowing the present and future cost of their protection.

The insurance premium is guaranteed for life and critical illness for the duration of the contract.

Dependent Child Rider

The ideal solution for children who are difficult to insure

Are your clients in perfect health, but have children who have been diagnosed with a condition that prevents them from obtaining life insurance? With HuGo’s Dependent Child rider, the whole family is well protected.

Benefit available: $15,000 or $25,000
Guaranteed premiums:
- $6.75 / month for $15,000
- $11.25 / month for $25,000
No questions asked about the dependent child. None
Convert child rider to permanent coverage when they are no longer a dependent

Calculator: Compare HuGO premiums with other carriers

Birthdate

Sex

Man

Woman

Smoker

You are considered a smoker if you recently used any of the following:

Tobacco, including chewing tobacco, on an occasional or regular basis;
Electronic cigarettes or other similar devices;
Nicotine substitutes or others, such as nicotine patches.

You are also considered a smoker if you have a medical prescription or follow a smoking cessation program.

Yes

Duration:

Amount:

Term life insurance

$0.00

Monthly

Filter results

Birthdate

Sex

Smoker

Province

Amount

Duration:

	Company	Policy name	Prime mensuelle
00	[Company name]	HuGO Term Life 25 Years, Gold Renewal [NT]	000,00 $

Guides and documents

For more information on HuGO Insurance from Humania Assurance, download and review the documents below: