Presentations text content in Heart Disease & Stroke
Slide1
Heart Disease & Stroke
Our way or the long way
Underwriting
Slide2High
Low
RISK
Slide3Heart disease refers to a group of conditions that affect the structure and functions of the heart.
Heart Disease
Slide4Pump blood throughout the body
A well functioning heart
should
…
Supplies
oxygen
and
nutrients
Remove carbon dioxide and other wastes
Slide5Heart 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.
Slide6Heart Diseases on our Application
Angina
Heart Attack
Angioplasty
Bypass Surgery
Stent Insertion
Coronary Artery Disease (CAD)
Congestive Heart Failure
Cardiomyopathy
Slide7Atrial FibrillationArrhythmia
Congenital Heart Disease
Heart MurmurValvular Heart Disease
Don’t Ask, Don’t Tell
NOT on our Application
Slide8The interruption of the
blood supply
to any part of the
brain
.
Stroke
Slide9Stroke 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
Slide10Stroke - 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
Slide11Traditional uw
– Heart & stroke
The Long Way
Traditional Underwriting
Blood/Urine
APS
Stress Test
Cardiac Report
ECG
Slide12APS
Our Way
X
This is all you need:
Slide13Traditional
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
Slide141. 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
Slide151. Date and Age
Heart Attack (Myocardial Infarction)
Angina (Cardiac Chest Pain)
Stent Insertion
Angioplasty
Bypass Surgery
Stroke & TIA
Slide16Section 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
Slide17On the Application
Slide18If 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
Slide19On the Application
Slide20Section 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
Slide21On the Application
Slide22Deferred 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.
Slide24If…
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
Slide25Simplified Elite
Up to
$500,000
Section D
NO MEDICAL
Issue Ages: 18 - 80
Immediate Coverage
Slide26Any 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
Slide28Cardiovascular 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.
Slide29On the Application
Slide30Traditional 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
Slide311. 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
Slide322. 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
Slide333. 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
Slide34Monday – 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!
Heart Disease & Stroke
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