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Term life insurance is easy - with flexible coverage and affordable premiums. Protect your family through life’s changes for the term you need.

 

Get a Quote

 

 

Why Term Life insurance may be for you:

 

It’s convenient and easy to apply. Our licensed insurance advisors can help you over the phone.

 

Affordable term life insurance with coverage options between $100,000 and $5 million.

 

Your premiums stay the same for the term you choose – 10, 15, 20, 25 or 30 years.

 

Your coverage amount is paid tax-free1 directly to your beneficiary to use however they need.

 

Enjoy Added Flexibility

 

We guarantee automatic renewal of your 10, 15 or 20 year coverage until you are 85 without needing to take medical exams. Your premiums are based on your age at renewal.

You may exchange the full or partial amount of the Sum Insured of any eligible Term 10 plan to a Term 15, 20, 25 or 30 policy, subject to certain limits within the first 5 years after your policy has been in effect.

Any time before the age of 70 you can convert your insurance policy to any eligible permanent policy with no medical exams or health questionnaires.


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Optional Extras

 

Critical Illness Benefit

If you’re 60 and under at the time of application, you can add this option to receive a lump sum benefit to spend however you need it if you’re diagnosed with a covered critical illness.

Waiver of Premium

If you’re 55 and under at the time of application, you can add this option so you won’t have to pay your premiums while you’re Totally DisabledIf the Life Insured has a gainful occupation, "totally disabled" or "total disability" means the Life Insured's incapacity, caused by disease or bodily injury, to perform any and every duty pertaining to such occupation, and after twenty-four (24) months of any one continuous period of total disability, it means the Life Insured's incapacity to engage in any gainful occupation for which the Life Insured is or may become reasonably fitted by education, training or experience.

If the Life Insured has no gainful occupation, "totally disabled" or "total disability" means the Life Insured's incapacity, caused by disease or bodily injury, to engage in any daily activity of living.
Total disability will not exist while the Life Insured is engaged in any gainful occupation.
provided you have been Totally Disabled for at least 6 consecutive months.

What's not covered

Your beneficiary will not receive benefits if:

  • You provide false, incorrect or incomplete information during the application process.
  • Your death results from suicide within two years from the date that your policy comes into effect. We will refund your premiums in this case.

 

Critical illness

No benefits will be paid for a covered critical illness that results from a condition that manifested itself or for which you received treatment before the policy became effective.

You will also not receive benefits if the critical illness results from:

  • Attempted suicide or self-inflicted injuries.
  • The commission or attempt to commit a criminal offence.
  • The use of drugs or operating a motor vehicle under the influence of alcohol.

Waiver of Premium

No premium will be waived if the total disability results from:

  • Attempted suicide or self-inflicted injuries.
  • The commission or attempt to commit a criminal offence.
  • The use of drugs or operating a motor vehicle under the influence of alcohol.

 

This information is only a summary. Actual terms, exclusions and limitations are explained in the policy.

Please speak to our insurance agents for other available Optional Extras.


 

Have Questions?

 

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1-855-599-5929

Monday - Friday 9am - 6pm EST

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Find answers to your insurance questions

 

 


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Please call or schedule a call with our licensed insurance advisors for full details.

 

1 Under current tax legislation.