Many individuals have had a family member, friend, colleague or acquaintance who has experienced the physical, emotional and financial effects of a critical illness. What if it were you? How prepared are you to handle the effects of a critical illness? JN Life AIDE is designed to aid in filling the gaps in your health and disability insurance coverage to ensure that you can:
*conditions apply.
JN Life will pay, as a Living Benefit, to the Life Insured, 50% of the applicable Death Benefit, upon receipt of satisfactory proof of Terminal Illness provided that the plan is in place for two years. This payment will reduce the Basic Sum Insured by 50%.
Covered Critical Illness
Cancer, Heart Attack, Stroke, Kidney Failure, Major Organ Transplant, Coronary Artery Bypass Surgery, Coma, Paralysis, Major Burns, Partial Kidney Failure, Loss of Speech, Deafness, Blindness
This is an individual critical illness plan designed by JN Life Insurance Company to provide insurance protection for clients in the event of an occurrence of any of the listed thirteen (13) critical illnesses.
This plan will provide coverage to males and females based on their age in relation to their nearest birthday between 18 years for the minimum age and 60 years for the maximum age.
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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