A&S Critical Illness, LTC, Health & Travel question: CI policy pay

A&SCritical Illness, LTC, Health & Travel

Ben, 58, a plumber in Fredericton, owns a $150,000 critical illness policy and a separate $250,000 term life policy. He suffers a heart attack that meets the CI policy's definition and dies 12 days later. His CI policy has a 30-day survival period and no return of premium rider. What does the CI policy pay?

A Half the CI benefit to his spouse
B The CI benefit plus a death benefit
C The full CI benefit to his estate
D Nothing, he did not survive 30 days

Show the answer and explanation

Answer: D. Nothing, he did not survive 30 days

Critical illness policies require the insured to survive a set period after diagnosis, commonly 30 days, before the benefit is payable. Ben died within that period, so no CI benefit is payable, although any return of premium on death rider or life insurance would apply separately. Source: standard Canadian critical illness, long-term care and health contract wording (industry practice, as at 12 Oct 2026); CISRO LLQP Curriculum (May 2015), Accident and Sickness module, component 2.1.

Common mistake

Expecting CI to pay when death occurs within the survival period.

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Original study material mapped to the public CISRO curriculum; not a real test question.Not affiliated with CISRO, CCIR or any provincial insurance regulator. Verify figures and rules against current guidance before relying on them.