Emergency funds if you become seriously ill

Live Well and Live Well Plus give you the flexibility to choose the term that best suits your needs and budget — 10 years, 20 years or up to age 80.

Our critical illness insurance comes with valuable built-in features for no additional premium including:

• Non-Life-Threatening Illness Benefit: Receive 15% of your benefit, up to $50,000, in the event of a non-life-threatening illness.
• Return of Premium at Death: Premiums will be refunded if the insured dies without receiving a benefit.

Live Well

• Life-threatening cancer
• Coronary artery bypass surgery
• Heart attack
• Stroke

Live Well Plus

All Live Well covered conditions, plus:

• Aortic surgery
• Aplastic anemia
• Bacterial meningitis
• Benign brain tumour
• Blindness
• Coma
• Deafness
• Dementia, including Alzheimer’s disease
• Heart valve replacement or repair
• Kidney failure
• Loss of independent existence
• Loss of limbs
• Loss of speech
• Major organ failure on waiting list
• Major organ transplant
• Motor neuron disease
• Multiple sclerosis
• Occupational HIV infection
• Paralysis
• Parkinson's disease
• Severe burns

Live Well Term 10 or Live Well Term 20 may be exchanged for Live Well Term to Age 80 during the exchange period.

Live Well Plus Term 10 or Live Well Plus Term 20 may be exchanged for Live Well Plus Term to Age 80 during the exchange period.

You and your family may be eligible to access Advance Medical’s Expert Medical Opinion Program² for no additional premium. This program provides an authoritative second opinion on medical issues from some of the world’s leading experts.

You may surrender the policy and receive a portion of premiums paid as defined in the policy. If you have not made a claim at policy expiry, you may receive a return of premiums equalling the period from the rider date to the policy expiry date minus any payments made for the Juvenile Critical Illness Insurance Rider if applicable.

This rider provides critical illness coverage to children up to age 17. Defined covered conditions are:

• Cerebral Palsy
• Congenital Heart Disease
• Cystic Fibrosis
• Muscular Dystrophy
• Type 1 Diabetes Mellitus

The rider is convertible without evidence of insurability to any critical illness product offered by Foresters at that time for conversion. The rider may be converted after the insured child’s 18th birthday, but no later than the insured child’s 25th birthday

If you have been continuously totally disabled for at least six months, we may waive the monthly premiums while you are disabled. While the policy is in force, the rider will remain in effect until the 65th birthday of the insured.