Critical illness insurance products available for conversion

The return of premiums on cancellation benefit can be added to the new policy without evidence of insurability.

Note: The client must have the return of premiums on death (ROPD) benefit on the term policy to benefit from it on the new policy, without evidence of insurability.

Here’s the products available for conversion of Health priorities T10 and T20.

Available products	ROPD	ROP on cancellation
Health priorities - Term to 65	With or without, as desired	With or without, as desired
Health priorities - Term to 75	With or without, as desired	With or without, as desired
Health priorities - To 100	With or without, as desired	With or without, as desired
Health priorities - 10 Pay	With or without, as desired	Always included
Health priorities - 20 Pay	With or without, as desired	Always included
Health priorities - Business, term to 75	Always included	Always included
Health priorities - Business, term to 100	Always included	Always included

If Health priorities T10/T20 without ROPD:

Available products	ROPD	ROP on cancellation
Health priorities - T65	Without	With or without, as desired
Health priorities – T75	Without	With or without, as desired
Health priorities - To 100	Without	With or without, as desired
Health priorities - 10 Pay	Without	Always included
Health priorities - 20 Pay	Without	Always included

Forms to fill if conversion into Health priorities

Request for change without evidence – 09219E
- In section G, Designation of beneficiary, please indicate "See Request for change of policyowner".
Request for change of policyowner – 09614A
- In section A – Change of policyowner, if required
- Designation of beneficiary need to be completed in section C4.

Exchange option

Here’s the products available for Health priorities Term 10 exchange option:

If Health priorities Term 10 with or without ROPD:

Health priorities Term 20 (with ROPD)

If Health priorities Term 10 without ROPD:

Health priorities Term 20 (without ROPD)

Harmony critical illness products are convertible into Harmony products only. To be able to have access to Health Priorities product, you will need to provide new evidence of insurability (new sale).

The return of premiums on cancellation benefit can be added to the new policy without evidence of insurability.

Note: The client must have the return of premiums on death (ROPD) benefit on the term policy to benefit from it on the new policy, without evidence of insurability.

Here’s the products available for conversion of a term product:

If Harmony T10 or T20 with ROPD:

Available products	ROPD	ROP on cancellation
Harmony – T65	Always included	With or without, as desired
Harmony – T75 paid-up	Always included	With or without, as desired
Harmony – T100	With or without, as desired	With or without, as desired
Harmony – Limited 10 Pay	With or without, as desired	Always included
Harmony – Limited 20 Pay	With or without, as desired	Always included
Harmony Executive T75 or T100	Always included	Always included

If Harmony T10 or T20 without ROPD:

Available products	ROPD	ROP on cancellation
Harmony – T100	Without	With or without, as desired
Harmony – Limited 10 pay	Without	Always included
Harmony – Limited 20 Pay	Without	Always included

Please note that products available for conversion can be modify at any moment.

For an Harmony product conversion, you may ask an illustration to the following email address: expertise_portefeuille_backbook@dsf.ca.

Forms to fill in if conversion into Harmony Executive

Request for change without evidence – 09219E
- In section G, Designation of beneficiary, please indicate "See Request for change of policyowner"
Request for change of policyowner – 09614A
- In section A – Change of policyowner, if required
- Designation of beneficiary need to be completed in section C4.

Exchange option

Here’s the products available for Harmony T10 exchange option:

If Harmony T10 with ROPD:
- Harmony – T20 with or without ROPD
If Harmony T10 without ROPD:
- Harmony – T20 without ROPD