IA Excellence Cancer Insurance - Cancer Guard

As our industry is being scrutinized more and more with respect to the advice insurance advisors are providing to their clients, why not add cancer insurance coverage that is easy to place and ensures we are helping Canadians protect their families?

Cancer Guard is a guaranteed issue cancer insurance product that covers you for up to $100,000 in the event of a cancer diagnosis. No medical exam is required.

Furthermore, for any of your clients that have just been approved standard for life insurance coverage from any company, you can simply offer them a pre-approved cancer insurance policy. (See pre-approved letter below).


You must:

  • be under 65 years of age at the time of purchase

  • answer two eligibility questions (coverage up to $25,000)

  • In your lifetime, have you ever been diagnosed with acquired immunodeficiency syndrome (AIDS) or tested positive for the human immunodeficiency virus (HIV)?

  • Do you have, have you ever had, have you noticed signs or symptoms for which you have not consulted a physician yet, or are you waiting for a test or test results for any form of cancer or malignant tumour?

  • In your lifetime, have you ever been diagnosed with cancer or a malignant tumour, had signs or symptoms of cancer, consulted a physician or undergone tests showing abnormal results for cancer; are you awaiting a test for cancer or have you had a test for cancer and awaiting the results?

  • answer two additional questions (coverage up to $100,000)

  • In the past two years, have you had an application for critical illness or cancer insurance declined or postponed by any insurance company, including Excellence?

  • Have two or more members of your immediate family (father, mother, brothers and sisters) suffered from or been diagnosed with cancer before the age of 60?

Sample pre-approval letter:

"Exclusive Pre-Approved Offer

For Cancer Coverage

Congratulations on taking an important step in securing your family’s future with your recent approval for life insurance. To help you further protect your family, you are pre-approved for $25,000 of cancer insurance with CancerGuard from iA Excellence*. CancerGuard is an excellent

way to help protect your family should you be diagnosed with cancer.

We all know someone who has been diagnosed with cancer – but often times what we don’t know is the financial impact to that family. To better understand why you should consider adding cancer insurance to your financial security portfolio, take a few a minutes to read about the financial

hardship of cancer in Canada (on the back of this letter).

Your rates for this offer are also on the back of this letter. Your advisor will be happy to go over your rates with you.

To take advantage of this exclusive offer, please fill out the one page application, provide your first payment and return it to your advisor."