Life , DI or CI Insurance for the Hard to Insure
Situations to Consider:

- Do you work in a high risk occupation or hobbies
- Do you in very risky regions and countries
- Do you travelling to “hot spots”
- Have you been declined Life insurance, Critical Illness and Disability Insurance medical declines
- Life declines for foreign travel or residence (anywhere in the world)
- How about avocations, such as skin or scuba diving, mountain climbing, hang-gliding , heli- skiing, parachute jumping, ultra-light aircraft flying, race cars, boats , motorcycles, motorized vehicles , extreme sports or activities ?
- Are you an actors, artists, comedians, models, musicians, writers and can't be insured ?
- How about working in the Airline, Oil, Marine, Mining, Demolition Industry
- How about amateur and professional sports?

Let's not forget about these, license suspensions, moving violations, pilot, student pilot, criminal convictions

What about Life DI or even CI Coverage that has been postponed for a year by the regular insurer due to a recent medical issue that is still under investigation?

What about DI Coverage that has been issued with the exclusion for disability occurring outside Canada or the US because of the insured’s extensive foreign travel?

The underwriter for this insurance is Humania Insurance
  • / /
    Must be between the ages of 18 and 60
  • - -
  • Must be between the ages of 18 and 60 for Life Insurance
    Must be between the ages of 18 and 55 for Critical Illness and Disability Insurance
  • Any type of Nicotine or Tobacco Use in any form, including nicotine substitutes or products, Marijuana or hashish in the last 12 months
  • Lloyds can offer higher limits on the Life with Accidental Death, higher Limits on our unique Critical Sickness Umbrella PTD Policy and Higher Limits on Disability Insurance.

    But for now let's stick with these...
  • EMPLOYMENT

    (If you answer NO to ANY of these Questions then you are NOT eligible for this coverage. Please do not proceed
  • Eligibility

    If you answer YES to ANY of these Questions then you are NOT eligible for the Term 10 and 20 year programs but may qualify for Lloyd's coverage.
  • Health

    The following questions will determine the premium rates and conditions applicable to your 10 Year and 20 Year insurance policy(ies).

    In the last 5 years, did you receive or were you recommended treatment, therapy or medication following diagnosis of any of the following disorders:
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