对于想要了解IAP personal insurance program同学们，高顿网校的小编为您详细介绍一下。
 
　　IAP personal insurance program
　　The CGA Association offers CGAs and students a quality, low-cost personal insurance program through Industrial Alliance Pacific Insurance and Financial Services Inc. (IAP).
　　Realizing that as assets and responsibilities increase, so does the need for additional insurance protection, the CGA Association has developed five excellent insurance plans with a focus on the needs of the members, spouses, employees/partners, and students in Canada.
 
　　Optional critical illness plan
　　A critical illness plan fills the gap between life and disability insurance by providing coverage for life-altering illnesses not provided for under:
　　disability insurance or LTD — covers ongoing monthly expenses
　　medical insurance — payment toward treatment
　　life insurance — paid to the beneficiary, not the insured
　　retirement income — projected to cover monthly living expenses
　　The combination of healthier lifestyles, greater self-awareness, and significant advances in medical science means that survival rates of Canadians who have suffered a life-threatening illness have improved, and will continue to improve, because of these changes.
　　The plan is available to CGAs, employees/partners, spouses, and students in units of $25,000 to a maximum of $300,000, payable in a tax-free lump sum payment. Twenty-five medical conditions are covered.
 
　　Term life insurance
　　Term life insurance provides members with basic life insurance needs. Insurance is available in units of $25,000 to a maximum of $2,000,000 for CGAs, students, employees, partners, and spouses, and $15,000 or $20,000 for each of your dependent children at one low premium rate.
 
　　Permanent life insurance
　　Premiums are guaranteed and remain level for 20 years at which time the policy becomes paid up, giving lifetime protection. In addition, the plan offers a guaranteed cash value after 20 years.
 
　　Income protection insurance
　　Income protection insurance provides members with an income should they become totally or partially disabled. Insurance is available in units of $100 to a maximum monthly benefit of the lesser of $5,000 or 66.66 per cent of gross monthly earnings (excluding any bonus, commissions, and overtime).
　　There is also a choice of waiting periods (0 to 7, 30, 90, 120, or 180 days).
 
　　Accidental death and dismemberment insurance
　　This insurance provides for the member's family in the case of the member's accidental death or dismemberment. It is available in units of $25,000 to a maximum of $1,000,000 for CGAs, students, employees, partners, and spouses. It is available as a Member Only or Member and Family Plan.
 
　　For more information on the Personal Insurance Program, visit the IAP website at www.iapacific.com/cga, or contact:
　　Jan Munro Thompson
　　Email: Thom425@attglobal.net
　　Phone: 604 929-9255
　　Toll Free: 800 881-3688
 
　　In Quebec, contact bernard & fabien inc.:
　　Website: www.bernardfabien.ca
　　Email: assurance@bernardfabien.ca
　　Phone: 514 748-7873 (Montreal)
　　Toll free: 800 383-7873
 
　　高顿网校小编真诚希望以上信息对您能有所帮助！