CRITICAL ILLNESS PRODUCT ANALYSIS CHART

Legend:
Green = Covered; 
Red (*) = Excluded; 
Red (N/C) = Plan does not cover that condition;
Yellow = Wording unclear

Carrier >

AIG Life Canada Manulife
Financial		 Clarica (Mutual) Sun Life

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Condition ^ 

Living Benefits Life Advance Life Cheque Critical Illness Term Life Assist
(1) Cancer:          
Coverage excluded if Cancer diagnosed, from date of issue, within these number of day 90 days   90 days   90 days   90 days   90 days 
Policy NOT terminated if Cancer detected during initial qualifying days, as listed above * X  *  X  X 
Hodgkin's Disease Stage 1 X  *  *  *  ?
Stage 'A' Prostate X  X  *  X  X 
Stage 'A' Colon *  *  *  *  X 
Chronic Lymphocytic Leukaemia X  *  *  *  ? 
Tumour in presence of H.I.V. *  X  *  *  X 
Stage 1 transitional cell carcinoma of urinary bladder *  *  *  *  * 
Mixed tumor parotid gland *  *  *  *  * 
(2) Heart Attack:          
Silent myocardial infarct detected at occurrence *  *  *  *  X 
(3) Stroke:          
No measurable deficit persisting for 30 days X X *  X X 
(4) Coronary Artery Bypass Surgery:          
Single Vessel, no angina episodes required *  *  *  *  * 
(5) Multiple Sclerosis:          
Single Attack *  X *  X * 
(6) Kidney Failure:          
End Stage, not yet failed X *  *  X X
(7) Major Organ Transplants:          
Pancreas *  X *  X X
Heart, Lung, Liver, Kidney & Bone Marrow *  *  *  *  * 
(8) Official Transplant Program:          
Enrollment X *  X *  X
(9) Paralysis:          
Number of days prior to qualifying  180  180 90  180  180 
(10) Blindness:          
Legally, not totally blind o *  *  *  *  * 
(11) Deafness:          
Legally, not totally deaf N/C  *  *  *  * 
(12) Loss of Speech:          
Number of days required N/C   365  180 N/C  N/C 
(13) Coma:          
Number of days prior to qualifying N/C  4  7 N/C  N/C 
(14) Major Head Trauma N/C  N/C  N/C  N/C  N/C 
(15) Benign Brain Tumour N/C  N/C  N/C  N/C  N/C 
(16) Motor Neurone Disease N/C  N/C  *  N/C  N/C 
(17) Alzheimer's Disease *  *  *  N/C  N/C 
(18) Parkinson's Diseas N/C  *  *  N/C  N/C 
(19) Severe or Major Burns N/C  *  *  N/C  N/C 
(20) Occupational HIV Infection  N/C  N/C  *  N/C  N/C 
(21) Dismemberment or Loss of Limbs N/C  N/C  *  *  N/C 
 

Legend:
Green = Covered;
Red (*) = Excluded;
Red (N/C) = Plan does not cover that condition;
Yellow = Wording unclear