Multiple Policy and Family Discounts

Eligibility Requirements

1. Policies must be received and issued at the same time, as they will be group-processed.
2. At the time of purchase, a Pre-Authorized Debit Agreement must be completed and signed for each insurance application submitted.
3. The fee discount applies only to Term Criticall Illness Insurance administration fees, never to our other products.

Rebate Rules and Guidelines

Multiple Policy Discount

If the same individual purchases, for himself or herself, one or more additional Term Critical Illness Insurance policies, the following rules apply:

• The administration fee for the first Term Critical Illness Insurance policy will apply and the subsequent Term Critical Illness Insurance policy or policies will not be subject to an administration fee.
• However, if the individual purchases, for example, a Prodige product: no fee discount, as the discount applies to the Term Critical Illness Insurance product only.

Family Discount

The family discount is based on policies with the same payer (same bank account). Applications are submitted and issued at the same time, and policies have the same effective date. The discount is applicable for one family only: grandparent, parent, spouse, child (the discount does not apply to policies where a company or organization is the policyholder or payer).

• The administration fee for the first Term Critical Illness Insurance policy with the same payer and for the same family will apply.
• The administration fee for the second Term Critical Illness Insurance policy will be reduced by 50%: $37,50.
• Subsequent Term Critical Illness Insurance policies (three or more with the same payer and for the same family) will not be subject to an administration fee.