An affordable solution to protect your clients in case of critical illness!

Are you looking to offer your clients critical illness insurance tailoured to their needs, regardless of their age, and at a low cost?

It's plain and simple! Just combine the Transition — 4 Illnesses term insurance with the Transition — 25 Illnesses permanent insurance! This unique offer will provide your clients with a financial safety net and protect their lifestyle should they be diagnosed with a critical illness.

What does this offer consist of?

The layer concept allows your clients to combine permanent and term insurance as well as have access to both coverages available with Transition:

• Transition – 4 illnesses covers the four critical illnesses, which represent 85% of all claims: cancer, stroke, heart attack and aorto-coronary bypass. It provides a 30% savings compared to Transition – 25 illnesses.
• Transition — 25 illnesses covers the most common illnesses in addition to other conditions, such as paralysis and loss of autonomy.

This option is particularly advantageous for families, who often have greater temporary needs due to mortgages and the children's dependency period.

By combining Transition T20 — 4 illnesses with a higher coverage for T100 — 25 illnesses as a permanent base, your client will benefit from a broader coverage for the first 20 years while saving money.

It is also possible to convert a term coverage into a permanent plan if needed.

Learn more:

• Refer to our critical illness statistics.
• Discover our brochure.

Feel free to contact your affiliated regional sales director to find more about the Transition layer concept!