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I used 21st too, my friend's parent actually went though an opearation during the visit. Got paid relatively hassle free. Here is some info on premium:

For age 61-65, the premium/day and coverage as following:
1.80-5,000
2.20-15,000
3.20-25,000
4.00-50,000
4.50-100,000

I used an agent. (416-449-3223, Ellen) However the price is published by the company.
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