Life Insurance "a Gift for your Loved Ones"

Financial Protection for Those you Love Most

  • Pays out to Beneficiaries you Choose
  • Payments are 100% Tax Free
  • Does Not Form Part of your Estate
  • Give Your Family Financial Security

What is Life Insurance?

Life insurance is a way to help you provide for your dependents and loved ones in case you pass away. The beneficiary you name receives the proceeds of the policy after you die.


Why do you need Life Insurance?

  • Pay for funeral and related expenses.
  • Cover the cost of any outstanding debts on your death.
  • Replace your income if you die during your earning years.
  • Pay for taxes on your estate so that your beneficiaries are not responsible for this expense.

Lowest Rates Guaranteed - 100% Tax Free.
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  Male Female
Age
250k 500k
250k 500k
25 $16.99 $27.60 $12.39 $17.87
30 $17.11 $27.83 $12.46 $19.30
35 $17.23 $28.31 $13.25 $21.25
40 $20.71 $33.83 $17.17 $27.12
45 $28.96 $52.18 $21.03 $36.75
50 $44.15 $78.44 $33.11 $52.90

These premiums are for Term 10(Renewable & Covertable) coverage​ on "Standard" premium approval, Discount available for combined (couple) policy and healthy applicants.

FAQ

Types of Life Insurance

Coverage Options

    • Term 10

      • Coverage Up to age 80
      • Policy Amount $50,000-$5 million
      • Renewal Period 10 years
      • Premiums Guaranteed? Rates will not change from policy purchase date.
      • Convert to Permanent Coverage Up to age 69
      • Additional Coverage If you become totally disabled, your premiums will be covered.
      • Lump-Sum Death Benefit Yes. Tax-free.
      • Eligibility 18-70 years Canadian Resident (except Quebec).
      • Discounts Available Save 10% when you bundle with select life Insurance products.
    • Term 20

      • Coverage Up to age 80
      • Policy Amount $50,000-$5 million
      • Renewal Period 20 years
      • Premiums Guaranteed? Rates will not change from policy purchase date.
      • Convert to Permanent Coverage Up to age 69
      • Additional Coverage If you become totally your premiums will be covered.
      • Lump-Sum Death Benefit Yes. Tax-free
      • Eligibility 18-60 years Canadian Resident (except Quebec)
      • Discounts Available Save 10% when you bundle with select life insurance products
    • Term to 100

      • Coverage for your Life time
      • Policy Amount $25,000-$5 million
      • Renewal Period N/A
      • Premiums Guaranteed? Rates will not change from policy purchase date.
      • Convert to Permanent Coverage N/A
      • Additional Coverage If you become totally your premiums will be covered.
      • Lump-Sum Death Benefit Yes. Tax-free
      • Eligibility 18-70 years Canadian Resident (except Quebec)
      • Discounts Available N/A

Term life insurance

is basic coverage that is covers you for a term that you choose. If you die during the time your insurance company has agreed to extend coverage, your beneficiary will receive a death benefit equal to the value of your policy. This is an easy way for people with young families to make sure their children and surviving spouse has financial security if they die unexpectedly...more

Non-medical Insurance

Insurance companies make decisions about whether to offer to insure someone based on their level of risk. Some people are hard to insure due to pre-existing medical conditions they are living with. Non-medical insurance is offered for people who fit this profile...more


Who Needs this Coverage?

Anyone with a pre-existing medical condition standard insurance companies determine is too risky to insure.

Why Should you Consider this Plan?

If you are looking for affordable, quality coverage and you have a pre-existing medical concern that makes it challenging to find life insurance, look at our non-medical insurance options.


Permanent Life Insurance

If you are looking for a life insurance solution that will not vary over subsequent years, consider permanent life insurance coverage. As the name implies, this type of policy will protect you for life with stable premium rates.


The advantage of this type of insurance coverage is that you can budget for it from the outset, knowing that your premiums will not rise. It can also has a savings component that can help you accumulate some cash value over time...more

Universal Life Insurance

If you are looking for the maximum financial protection for yourself and your family, consider a universal life insurance policy. It includes life insurance and a flexible savings component.


The advantage of this type of life insurance plan is that you can decide how you want to structure the savings part of your plan in the way that makes the most sense for you...more

Protect your family’s financial security

Pay off mortgage and other debts
Set up an education fund
Replace lost income
Cover estate taxes and maximize your estate’s value