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IWME Critical Illness

Critical illness insurance without a medical exam

Help your difficult to insure clients get approved for Critical Illness Insurance.

Calculate a premium Sell IWME

Home Advisor Centre Products and sales platforms IWME IWME Critical Illness

Home Advisor Centre Products and sales platforms IWME IWME Critical Illness

A fast and easy process

IWME Critical Illness Insurance gives your difficult to insure clients options when they are declined by other insurers.

View documentation

Target Market

Declined Elsewhere: For your clients who have been declined by other insurance companies due to health or other reasons.
Need for hassle-free coverage: For individuals who need disability insurance without going through long and complex medical exams.

Available to adults aged 18 to 55 inclusive: Providing an affordable solution for a wide range of individuals.
Difficult-to-insure clients: Due to risky professions, extreme sports, criminal records, deferred clients awaiting tests, excessive drug and alcohol use, overweight, diabetes, HIV, or other.

Target Market

Declined Elsewhere: For your clients who have been declined by other insurance companies due to health or other reasons.
Need for hassle-free coverage: For individuals who need disability insurance without going through long and complex medical exams.

Available to adults aged 18 to 55 inclusive: Providing an affordable solution for a wide range of individuals.
Difficult-to-insure clients: Due to risky professions, extreme sports, criminal records, deferred clients awaiting tests, excessive drug and alcohol use, overweight, diabetes, HIV, or other.

WHAT MAKES US STAND OUT

Highlights

Only 6 eligibility questions (online)
Issued instantly
No medical exam required
Simple online application and signing process
No questions about previous declines
No deferral period
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

PROTECTION DETAILS

Main features

Issue age: 18 to 55 inclusive
Benefit amounts from $5,000 to $100,000
Guaranteed premium for the chosen period
Pre-existing clause for 12 or 24 months depending on health questionnaire
75% Return of Premium rider after 20 years with no claim
Garanteed renewal until age 65
4 covered illnesses: stroke, cancer, coronary artery bypass, and heart attack (myocardial infarction)

Guides and documents

For more information on IWME – Critical Illness from Humania Assurance, please download and review the documents below: