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
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