Heart Disease & Stroke

Heart Disease & Stroke Heart Disease & Stroke - Start

2018-11-17 33K 33 0 0

Heart Disease & Stroke - Description

Our way or the long way. Underwriting. High. Low. RISK. Heart disease refers to a group of conditions that affect the structure and functions of the heart.. Heart Disease. Pump blood throughout the body. ID: 730039 Download Presentation

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Heart Disease & Stroke




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Presentations text content in Heart Disease & Stroke

Slide1

Heart Disease & Stroke

Our way or the long way

Underwriting

Slide2

High

Low

RISK

Slide3

Heart disease refers to a group of conditions that affect the structure and functions of the heart.

Heart Disease

Slide4

Pump blood throughout the body

A well functioning heart

should

Supplies

oxygen

and

nutrients

Remove carbon dioxide and other wastes

Slide5

Heart Disease - Did You Know?

Every 7 minutes in Canada someone dies from heart disease.

Heart disease is the 2

nd

leading cause of death in Canada.

About 2.4 million Canadians aged 20 years and older live with ischemic heart disease.

Slide6

Heart Diseases on our Application

Angina

Heart Attack

Angioplasty

Bypass Surgery

Stent Insertion

Coronary Artery Disease (CAD)

Congestive Heart Failure

Cardiomyopathy

Slide7

Atrial FibrillationArrhythmia

Congenital Heart Disease

Heart MurmurValvular Heart Disease

Don’t Ask, Don’t Tell

NOT on our Application

Slide8

The interruption of the

blood supply

to any part of the

brain

.

Stroke

Slide9

Stroke is caused by blockage of blood flow or rupture of an artery to or in the brain

Stroke

TIA

Similar to a stroke, except the blockage lasts for

less than 24 hours

Heart and Stroke Foundation Canada

STROKE vs. TIA

Slide10

Stroke - Did You Know?

Every year, nearly 14,000 

Canadians

 die from 

stroke

.

Stroke is the 3

rd

leading cause of death

.

Every year in

Canada

, there are over 50,000 new 

strokes

—that's one 

stroke

 every 10 minutes

Slide11

Traditional uw

– Heart & stroke

The Long Way

Traditional Underwriting

Blood/Urine

APS

Stress Test

Cardiac Report

ECG

Slide12

APS

Our Way

X

This is all you need:

Slide13

Traditional

Case

Canada Protection Plan

12 months post stroke

Postponed

Deferred Elite up to $350,000

More than 1 stroke

Declined

Potentially Simplified Elite up to $500,000

Stroke combined with Diabetes

Declined

Deferred Elite up to $350,000

Congestive Heart Failure

Declined

Guaranteed Acceptance up to $25,000

Angina (chest pain) 53 M, more than 3 years ago

Possible ECG, stress test

Rated or Declined

Simplified Elite up to $500,000

A Few Examples

Slide14

1. Date and Age at which event (CAD/MI or stroke) took place

2. Treatment versus Maintenance Medications

3. CAD Coupled with Diabetes

How We Underwrite – What Matters Most to us

Slide15

1. Date and Age

Heart Attack (Myocardial Infarction)

Angina (Cardiac Chest Pain)

Stent Insertion

Angioplasty

Bypass Surgery

Stroke & TIA

Slide16

Section A, Q#9. Have you ever had, been treated for, or been diagnosed prior to age 40, with: coronary artery disease, heart bypass surgery, angioplasty, stent insertion, angina or heart attack…?

Age at onset

0

40

80

Mortality

1. Date and Age

Guaranteed Acceptance

Up to $25,000

No Medical

2-year deferral period

Canada Protection Plan

Slide17

On the Application

Slide18

If coronary event occurred > age 40...

Section B, Q#1. Within the past 12 months have you had, been told you have, or been treated for: a) Cardiac chest pain (angina), heart attack (myocardial infarction), coronary artery disease, stroke (CVA), heart bypass surgery, angioplasty, stent insertion…..?

Deferred Life

Up to $50,000

No Medical

2-year deferral period

Canada Protection Plan

1. Date and Age

Slide19

On the Application

Slide20

Section C, Q#4 a) Are you age 54 or under and within the past three years, have you had treatment or surgery for or been diagnosed as having cardiac chest pain (angina), heart attack (myocardial infarction), coronary artery disease, heart bypass surgery, angioplasty, stent insertion,…?

b) Are you age 55 or over and within the past two years…

Deferred Elite

Up to $350,000

No Medical

2 year deferral period. After 1 year, 50% of the face amount if death occurs

Canada Protection Plan

If coronary event occurred

> age 40...

1. Date and Age

Slide21

On the Application

Slide22

Deferred Elite

Up to

$350,000

Section C

NO MEDICAL

Issue Ages: 18 - 80

New deferral conditions…

Slide23

…If the death occurs during the second year and is due to non-accidental means,

The full coverage is payable after two years. If cause of death is accidental, the full coverage is payable any time.

50% of the coverage amount is payable.

Slide24

If…

The client is

</= 54 years old and the cardiovascular event/stroke took place

OVER 3 years ago

OR

The client is

>/= 55 years old

and the cardiovascular event/stroke took place

OVER 2 years ago

…Then, move on to Section D

Slide25

Simplified Elite

Up to

$500,000

Section D

NO MEDICAL

Issue Ages: 18 - 80

Immediate Coverage

Slide26

Any history of heart disease or stroke

NOT ELIGIBLE FOR PREFERRED

Slide27

“…been treated for…”

Treatment = Surgery

Stent insertionAngioplastyHeart bypass surgery

Maintenance = Medications

Long-term use, to prevent reoccurrence

Most often: blood thinners, cholesterol-lowering medications, anti-hypertensive medications

2. Treatment versus Maintenance Meds

Slide28

Cardiovascular disease is the leading cause of death among people with type 1 and type 2 diabetes.

Did you know….

3. CAD/

Stroke

Coupled with Diabetes

Adults with diabetes are two to four times more likely to die from heart disease than adults without diabetes.

Slide29

On the Application

Slide30

Traditional Insurer

A history of CAD/stroke + diabetes =

DECLINED

CPP

A history of CAD + diabetes =

APPROVED!

Deferred Elite, max $350K, non-medical

3. CAD/MI Coupled with Diabetes

Slide31

1. Spotlight: Heart Disease & Stroke

33-year-old Male, Non-Smoker

Had a sudden heart attack

while at work. A stent was inserted, and he was prescribed aspirin, 81 mg per day, for prevention/maintenance.

DARE TO COMPARE

APS

Full cardiology reports

New labs

Decision:

Likely Declined

Traditional Provider

Approved Guaranteed Acceptance

Up to $25,000

No Medical

2 year deferral period

$56.57/month

Guaranteed Acceptance Life for $25,000

Canada Protection Plan

Slide32

2. Spotlight: Heart Disease & Stroke

48-year-old Female, Non-Smoker

Diabetes type II, uses only non-insulin medication for 7 years. She

had a stroke 4 years ago.

DARE TO COMPARE

APS

Full cardiology reports

New labs

Decision:

Likely Declined

Traditional Provider

Approved Deferred Elite

Up to $350,000

No Medical

2 year deferral period. After 1 year, 50% of the face amount if death occurs

$43.65/month

Deferred Elite T10 for $100,000

Canada Protection Plan

Slide33

3. Spotlight: Heart Disease & Stroke

55-year-old Female, Smoker

Experienced severe chest pains 6 years ago

. She was taken to the ER and had a stent inserted

. She also

had a stroke 2 years prior to this incident

. She currently takes a

blood thinner and cholesterol-lowering medication.

DARE TO COMPARE

APS

Full cardiology reports

New labs

Decision:

Likely Declined

Traditional Provider

Approved Simplified Elite

Up to $500,000

No Medical

No deferral period

$93.89/month

Simplified Elite T20 for $75,000

Canada Protection Plan

Slide34

Monday – Friday until 8pm EST

 1-877-447-6060

sales@cpp.ca

Speak to an Underwriter!!

 1-877-447-6060, Press 3

underwriting@cpp.ca

!

We Speak Agent!


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