Frequently Asked Questions

We offer a selection of plans tailored to different needs, from basic coverage that addresses essential health concerns to comprehensive policies that include extended services. Each plan is designed to match a variety of budgets and care requirements.

We provide life coverage, supplemental health plans and care benefit options tailored to individuals aged 60 and over. Each plan is designed to complement provincial health benefits and adapt to evolving needs.

You can apply for our specialized plans starting at age 60, with some health and care options available up to age 80. Eligibility depends on the specific product and an assessment of your health profile.

Simply contact our office or submit an inquiry online at eternacaread.com. An advisor will guide you through the forms, clarify requirements, and answer your questions step by step.

Typically, we ask for a recent health questionnaire, a statement of any ongoing treatments, and details about current prescriptions. In some cases, a brief exam or physician’s report may be requested to determine plan eligibility.

Our team reviews medical histories on a case-by-case basis and strives to find the best fit for each applicant. Some plans may have waiting periods or adjusted benefit levels, which your advisor will explain in detail.

Yes, many of our policies include flexible riders that let you adjust benefit levels or add new options over time. Any change is subject to available plan features and underwriting guidelines.

Rates are calculated based on your age, health information, chosen benefit levels, and term length. We compare multiple providers to find a plan that aligns with your budget and coverage goals.

Yes, several of our life and health plans allow joint coverage at favorable combined rates. Your advisor will review eligibility and benefit structures for both of you, ensuring clarity on shared terms.

Supplemental health plans can fill gaps in provincial coverage by covering prescription drugs, paramedical services, and private hospital accommodations. You choose the specific add-ons that best support your medical and wellness needs.

Contact our claims support team with your policy details and documentation from your healthcare provider. Our office will guide you through the required forms and timelines to ensure timely processing.

Yes, policies can be suspended or terminated according to their terms and conditions. We recommend discussing any changes with your advisor to review impact and available alternatives.