Coverage that provides peace of mind
Product Specifications
Issue Ages
Ages 40-80 Preferred and Modified
Ages 40-85 for Standard
Minimum face amount
$5,000
Maximum face amount and risk classes*
$50,000 for Preferred at ages 40-60
$40,000 for Preferred at ages 61-70
$30,000 for Preferred at ages 71-75
$20,000 for Preferred at ages 76-80
$30,000 for Standard
$15,000 for Modified
Policy Expiry
Age 121
Premium Frequency
Annual, semi-annual, quarterly, monthly
Rider options
Included
Optional
Replacements
Yes**
Preferred: your benefit is “level” - so you’re entitled to 100% of your benefit from the first day your coverage begins.
Standard & Modified: your benefit is “graded” in the first three years - this means your benefit will gradually increase to 100%, unless death occurs as a result of an accident.
**You can replace your existing life insurance policy with a new Lumico life insurance policy.