Auto Insurance Home Insurance Recreational Vehicle Insurance Boat Insurance Snowmobile Insurance Saving You Money
JD Smith Insurance Brokers Staff List & Contacts
Commercial and Personal Insurance Solutions Since 1979
JD Smith Life Insurance
none
WHO NEEDS THE PROTECTION OF AN INSTANT ISSUE PLAN?

If you are age 45 to 75 and:

  • Concerned about having a medical.

  • Wish to leave a small legacy to your church, grandchildren or other worthy cause.

  • Wish to ensure there are no unpaid bills left for your loved ones.

  • Want to pay for probate fees, legal fees or executor's fees which arise on your death.

Then the Instant Issue Plan is designed especially for you.

WHY AN INSTANT ISSUE PLAN?
  • Select the level of coverage you desire.

  • Protection starts as soon as the application and qualifying questions are completed and the first premium is paid.

  • Guaranteed level premiums payable for only 20 years.

  • Death Benefit paid in full (even if living) after the later of 20 years or age 85.

  • Tax-free death benefits to your beneficiary.

  • You name the beneficiary, which you can change at any time.

  • Choose from 19 levels of protection:
    $5,000; $7,500; $10,000; $12,500; $15,000; $17,500; $20,000; $22,500; $25,000; $27,500; $30,000; $32,500; $35,000; $37,500; $40,000; $42,500; $45,000; $47,500; $50,000

  • Late payment protection provided after 3 years through Automatic Loan Provisions.
WHAT IS THE INSTANT ISSUE PLAN?

The Instant Issue Life Insurance Plan can be issued with just 5 qualifying questions.

The plan consists of permanent life insurance with guaranteed premiums which cannot be changed by the issuer. The death benefit in the first 2 years will be the return of premiums plus 10% interest to the date of death. If death occurs as the result of an accident in the first 2 years, the full death benefit is guaranteed to be paid to your beneficiary.

At the end of the second year and thereafter, the full protection is payable when death occurs - whatever the cause!

Provided you are age 45 to age 75, you are guaranteed protection with just 5 qualifying questions. No doctor's reports, no fuss.

You can also take comfort in knowing your premiums will never increase.

SAMPLE SURRENDER VALUES
FOR $10,000 COVERAGE

END

ISSUE AGE

OF YEAR
   45   
   50   
   55   
   60   
   65   
   70   
   75   

3

120

160

200

250

320

340

380

4

250

330

420

520

650

700

770

5

390

500

640

800

990

1,060

1,150

10

1.210

1,550

1,940

2,380

2,930

2,990

3,100

20

3,680

4,650

5,820

7,350

10,000

10,000

10,000

QUALIFYING QUESTIONS
   
YES
NO

1.

Within the last two years have you had a stroke, heart attack or been advised to have heart surgery?

2.

Within the last three years have you consulted a physician for, or received treatment for cancer?

3.

Within the last three years have you been declined for individual life insurance by any life insurance company?

4.

Have you been diagnosed, treated for, or had any indication of AIDS or AIDS related complex?

5.

Are you currently restricted to a wheel chair, bedridden, hospitalized or confined to a nursing facility requiring full time care?

If you answered 'YES' to any of the above questions, coverage is not available.

Limit $50,000 coverage per person.

Click here to view the list of GUARANTEED PREMIUMS
Contact Our Office For Great Quotes
905-764-7868
1-800-917-SAVE
  Tom Larha EXT 245
J D Smith EXT 223
Individual Life and Groups are our Specialty
RIBO JD Smith Insurance Brokers
105 West Beaver Creek Rd.
Richmond Hill, ON, L4B 1C6
1-800-917-7283
Tel: 905-764-7868
Fax: 905-764-9618
none
Home Personal Insurance Motorcycle Commercial Life & Health Information About Us
  Auto Insurance
New Accident Benefits Coverage
Home Insurance
UberX Insurance
R.V. Insurance
Boat Insurance
Snowmobile Insurance
  Application Forms
Camp Insurance
Car & Truck Fleets
Churches
Contractors
Event Application
Hole-In-One
Landscapers
Marine & Overland Cargo
NDT/NDE
Non Profits
Retail / Wholesale
Tool & Die
UberX Insurance
Welding & Steel
Windows & Doors
Life Insurance
Life Insurance - Groups
Disability & Dental
Mortgage Insurance
Critical Illness Insurance
Claims
New Auto Accident Benefits
12 Ways to Save
Insurance Companies
20 Hot Topics
Information Links
News & Humour
Winter Storage Tips
Reflections
Core Values
Broker Advantage
Staff List & Contacts
Staff Video Messages
Job Opportunities
Reflections
News & Humour
Community
Car Racing Team
Code of Consumer Rights
E. & O. E. Disclaimer
none
none
none
© J.D. Smith & Associates Insurance Brokers Inc., 1999-2016. All rights reserved.
E. & O. E
. Read Disclaimer
none