20 Broadway Blvd, Sherwood Park, AB Canada T8H 2A2
Please note the following exclusions under the Loan Protection plan:
The insurer will not pay a claim or refund the single premium if your death or critical illness or total disability is in any way related to a pre-existing condition.
No benefits will be payable if the claim results directly or indirectly from or is in any way related to:
Total Disability:The Monthly Disability Benefit will not be paid for Total Disability caused or contributed to by childbirth, abortion, miscarriage, or pregnancy, whether existing on the Effective Date of Insurance or developing subsequently.
Critical Illness Benefit and Life Insurance Accelerated Death Benefit:Neither the Critical Illness Benefit nor the Accelerated Death Benefit will be paid in the event of a Diagnosis of Cancer resulting from any medical investigation initiated:
In the event of such a diagnosis, the insurance coverage for Critical Illness under the Certificate of Insurance will be terminated and any premium paid for the Critical Illness coverage refunded. Further, we do not pay the Critical Illness benefit for a diagnosis, illness or bodily infirmity which is not specifically within the definition of Cancer, Heart Attack or Stroke or which is specifically listed as an exclusion from one or more such definitions.
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