New Guaranteed Issue

Guaranteed Issue Now Available from Humania – Life, Critical Illness & Disability Coverage for Everyone with the IWME Copper Plan. Learn more

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IWME Life

New IWME Copper Plan
Guaranteed Issue Insurance Now Available

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IWME LifeIWME Critical IllnessIWME Disability DebtIWME Disability Income

Simplified & Guaranteed Issue Life Insurance IWME – Coverage for Everyone

Main features
Simplified Issue
Gold, silver, bronze
Guaranteed Issue
Copper
Issue age
From 18 to 70 years old inclusively
From 18 to 70 years old inclusively
Available terms
T10, T20 or T100
T10, T20 or T100
Benefits offered
Term 10 or Term 20 years : minimum $5,000, maximum $300,000 or $500,000* Term 100: minimum $5,000, maximum $100,000*
Term 10 or Term 20 years : minimum $5,000, maximum $100,000 * Term 100: minimum $5,000, maximum $100,000*
Renewal
Term 10 or 20 years: guaranteed renewal until age 80
Term 10 or 20 years: guaranteed renewal until age 80
Premium
Guaranteed premium for the chosen period
Guaranteed premium for the chosen period
Beneficiary
As designated by the policyholder.
As designated by the policyholder.
Pre-existing condition clauses
12 or 24 months
N/A
Deferred period
N/A
No benefit during the 24 months period following the underwriting except in the event of an accident
Complete technical sheet
Consult
Consult

* The amount of combined Life Insurance coverage cannot exceed $100,000 for Copper, $300,000 for Bronze or $500,000 for Gold and Silver. See the sample policy for more details.

Target Market

  • People denied elsewhere
  • Individuals in need of immediate Life Insurance
  • Clients who are difficult to insure due to: risky occupations, extreme sports, criminal records, pending test, excessive drug and alcohol use, diabetes, HIV and more.

Target Market

  • People denied elsewhere
  • Individuals in need of immediate Life Insurance
  • Clients who are difficult to insure due to: risky occupations, extreme sports, criminal records, pending test, excessive drug and alcohol use, diabetes, HIV and more.
WHAT MAKES US STAND OUT

Highlights

  • Only 6 eligibility questions (online) for Simplified Issue
  • Issued instantly
  • No medical exam required
  • No questions about previous declines
  • No deferral period for Simplified Issue
  • 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
*For T10 and T20 Life insurance request over $300,000, height and weight question will be asked.

								

				

				

				

							

			

		

						

				

					

		

					

		

					

		

					

		

				

						

					

			

						

				

									
Guides and documents


To obtain more information about IWME from Humania Assurance, we invite you to download and consult the documents below:

								

				

				

				

					

    
    

        

            
The life insurance T10-T20 sample policy – Simplified Issue 


The life insurance T10-T20 sample policy – Guaranteed Issue 


The life insurance T100 sample policy – Simplified Issue 


The life insurance T100 sample policy – Guaranteed Issue 

        

    



    
    

        

            
Product Guide – Simplified Issue 


Product Guide – Guaranteed Issue 


IWME Life technical sheet – Simplified Issue 


IWME Life technical sheet – Guaranteed Issue 


The guarantee of refund of premiums after 20 years (optional) 

        

    



    
    

        

            
Flyer – Insurance Without Medical Exam


Flyer – Insurance Without Medical Exam Credit concept 


Non face-to-face sales document 

        

    


				

				

					

		

					

		

		

					

				

				

									

				

					

				

				

				
		
		

					

						

					

			

						

				

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