Many families have suffered the physical, emotional and financial effects of a family member being diagnosed with a critical illness.
What if it were your family? How prepared is your family to handle the effects of a critical illness? What can you do to mitigate the negative repercussions?
*conditions apply
Written notice of claim must be submitted to JN Life within 30 days of the first diagnosis and in no event later than 6 months after. Failure to submit notification within this timeframe will invalidate the claim.
Claims will only be honoured if the diagnosis is after the Policy has been in force for the following times:
Claims arising from attempted suicide, intentionally, self-inflicted injury or action, criminal action or actions caused or contributed to by the influence of intoxicants, narcotics or insanity will be excluded.
Coverage will terminate for all Life Insureds on the earliest of:
Coverage will terminate for each Life Insured on the earliest of:
*conditions apply
This is a family critical illness plan designed by JN Life Insurance Company to provide insurance protection for the main insured and up to five (5) dependent family members in the event of an occurrence of any of the listed thirteen (13) critical illnesses.
Eligibility for the JN Life Family AIDE plan is as follows:
The following are categorised as dependents under the JN Life Family Aide:
This plan offers four (4) coverage options:
J$ 1,000,000
J$ 2,000,000
J$ 4,000,000
J$ 6,000,000
Each coverage option covers thirteen (13) critical illnesses. These are Cancer, Stroke, Kidney Failure, Partial Kidney Failure, Heart Attack, Major Burns, Coma, Paralysis, Loss of Speech, Loss of Hearing, Loss of Sight, Major Organ Transplant, Coronary Artery Bypass.
Re-Occurrence Benefit: Full benefits will be paid for the re-occurrence of any Critical Illness once the Dates of Diagnosis are separated by at least 12 months (Cancer benefits must be medically unrelated to any cancer for which benefits have already been paid).
Additional Occurrence Benefit: The Company will pay full benefits in the event of the occurrence of a covered Critical Illness even though full payment has already been made for the previous occurrence of a different Critical Illness provided that the two Dates of Diagnosis are separated by at least six months or for Cancer at least six months Treatment Free and the subsequent Critical Illness is not caused by or contributed to by a Critical Illness for which benefits have already been paid.
Ambulance Benefit: A one-time reimbursable benefit of a maximum of J$15,000 will be paid if an ambulance is used to transport the Life Insured to hospital or other treatment centres when/where a covered Critical Illness is first diagnosed.
No Claim Benefit: Upon the Expiry Date, provided the Contractual Premiums are paid up to the Expiry Date, the Company shall pay to the Owner a sum equal to the total of all Basic Premiums paid provided that no claim was paid on the Policy.
Death Benefit: Upon death, the beneficiary will be paid a sum equal to the total of all Basic Premiums paid as at the date of death, provided that no claim was paid on the Policy.
Reduced Benefit: All benefits are reduced by 50% on the Anniversary Date after the Life Insured attains the age of 70 years.
The Policy may be reinstated within 30 days of lapse or re-dated within 6 months of lapse. Reinstatement or re-dating is allowed only once during the life of the Policy.
No, this policy does not have an assignment option.
Your insurance will terminate on the earliest of:
JN Life will not pay benefits for any loss due to suicide, whether sane or insane, within 2 years of the Policy Effective Date.
Yes, there are five (5) simplified medical questions that are asked when acquiring this plan, however it does not require a medical beyond these questions.
All our clients may pay their premiums using any of the following options:
You may pay your premiums either:
No, this plan does not have a cash surrender value.
We provide peace of mind while ensuring that your loved ones are protected from the consequences of life’s unexpected turns. Let us guide you along your journey to finding the perfect coverage, because here, your life is valued.
Be at ease knowing that we’ve got you covered. Invest in peace of mind today and protect what matters most.
Secure your family’s future with one of our products tailored to meet your unique needs. Our policies ensure that your loved ones are cared for even in your absence.
Secure your team members’ futures with our group life insurance policy. Provide coverage for your employees in the event of an unforeseen circumstance.
Retire in confidence, knowing that you’ve built a robust financial foundation for your golden years. Start planning today for a brighter tomorrow.
Talk to a JN Life Insurance agent today about the life insurance product that’s right for you and your family.
26 Trafalgar Road, Kingston 10
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