Focuses on helping clients recover from a covered
Illness by providing immediate access to medical advice and care and up to 1 million dollars in out-of-
country funding at an affordable price.

Provides a cheque to replace lost income or pay expenses in the event the client suffers from a covered illness.

10 illnesses that individuals worry about the most, chosen based on the probability of successful treatment, if given proper care:

• Cancer (life-threatening)
• Coronary artery by-pass surgery
• Aortic surgery
• Heart valve replacement
• Multiple Sclerosis
• Kidney failure
• Major organ transplant
• Motor neuron disease (ALS/Lou Gehrig’s)
• Parkinson’s disease
• Benign brain tumour

• From 3 to 23 illnesses depending on the type of plan and company
• Focus is generally on the number of illnesses covered rather than the likelihood of successful treatment

Immediate access to Best Doctors:

• In depth review of patient's medical files for confirmation of diagnosis and treatment.

FindBestDoc™
Identification of the right care provider

• A customized search across a constantly updated global database of over 50,000 world-class specialists who are most qualified to meet the patient's specific medical needs.

FindBestCare®
Care Management

• Assistance with the out-of-country hospital admittance process and medical appointments. The additional VIP Concierge service helps clients travelling outside Canada with reservations and accommodations for themselves and a companion.

Please refer to the CriticalAdvantage guide for details on how to access these services.

® Best Doctors is a trademark of Best Doctors Inc. in the United States and/or other countries and is used under license.

• Best Doctors services are offered on several plans but are not integrated.
• Depending on the product, services may be limited in scope and provide for one-time use after the insurance company has approved the claim.

• Up to $1 million in out-of-country medical expense coverage
• Up to $10,000 travel and accommodation expenses for the insured and one companion
• Up to $5,000 repatriation benefit should the insured die while receiving care

• $25,000 single payment if the client decides to receive care in Canada
• Simplified application
• No appointments to arrange or fluids to obtain
• Immediate coverage on approved cases

• Lump sum payment based on face amount purchased
• Average face amount in 2001 was $96,000 (Source: LIMRA)
• Clients are often forced to choose what they can afford, rather than what they really need

• Simplified application
• No appointments to arrange or fluids to obtain
• Immediate coverage on approved cases

• Long-form application
• Medical exams and fluids required
• Potentially lengthy underwriting process
• Uncertain result

• Client must survive 30 days from onset of covered illness before claim can be adjucated
• Best Doctors services generally available only after claim is approved

Plan Design

• Single Life - one adult
• Spousal - Two adults
• Family - one or two adults and an unlimited number of children

Each insured individual receives $1 million of coverage and full access to all of the other benefits of the program.

• The candidate is faced with a myriad of options: basic versus enhanced definitions, various payment schedules and a range of amounts
• Covered illnesses usually differ for adults and children

• Five-year renewable term structure
• Male/female, smoker/non-smoker

™ Critical /Advantage is a trademark of AEGON Canada Inc. Transamerica Life Canada is licensed to use such mark.

• 10-year renewable term
• Level to 65 or 75
• Level to 100
• Male/female, smoker/non-smoker

Contact Information: Gordon Johnston and Associates, Telephone: (905) 623-4800 ext.1, gordjohnston@ilibc.co