
DEFERRED TERM
Answer no to a few simple health questions and purchase Deferred Term 10, 20 with coverage starting as low as $50,000 and going as high as $100,000 or Term 100 starting as low as $25,000 going up to $100,000. If the insured qualifies for this plan there is a 2 year waiting period before the plan comes into effect. The premiums for this plan are among the lowest in Canada and will not increase during the period of the term you choose. This plan is available from age 20-70.
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SIMPLIFIED TERM
Answer no to a few health questions asked on or application and purchase Simplified Term 10, 20 that starts as low as $50,000 and going as high as $150,000 or Term 100 starting as low as $25,000 going to up to $150,000. This plan starts right away. Premiums for this plan are among the lowest in Canada and will not increase during the period of the term you choose. This product is renewable, not convertible. This plan is available from age 20-70.
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SIMPLIFIED TERM PLUS
Answering no to all questions on the application will qualify your client for Simplified Term Plus 10, 20 that starts as low as $50,000 and going as high as $150,000 or Term 100 starting as low as $25,000 going to up to $150,000. This plan is suitable for clients who have no or minimal health issues in the last 10 years. The plan starts right away. Premiums changed for Simplified Term Plus plans are guaranteed and lower compared to our other Term Plans. This product is renewable, not convertible. This plan is available from age 20-70.
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With our preferred policies, applicants are classified based on gender, health, lifestyle and overall tobacco use. The majority of applicants qualify for our best rates.
SIMPLIFIED PREFERRED 10 YEAR TERM
Purchase inexpensive, renewable, and convertible coverage for 10 years from $50,000 to $500,000. Our premiums for this plan are among the lowest in Canada and they will not increase for the first 10 years. After that, the plan renews every 5 years. Available to those 18 to 75.
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SIMPLIFIED PREFERRED 15 YEAR TERM
Purchase inexpensive, renewable, and convertible coverage for 15 years from $50,000 to $500,000. Our premiums for this plan are among the lowest in Canada and they will not increase for the first 15 years. After that, the plan renews every 5 years. Available to those 18 to 70.
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SIMPLIFIED PREFERRED 20 YEAR TERM
Purchase inexpensive, renewable, and convertible coverage for 20 years from $50,000 to $500,000. Our premiums for this plan are among the lowest in Canada and they will not increase for the first 20 years. Available to those 18 to 65.
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SIMPLIFIED PREFERRED 25 YEAR TERM
Purchase inexpensive, renewable, and convertible coverage for 25 years from $50,000 to $500,000. Our premiums for this plan are among the lowest in Canada and they will not increase for the first 25 years. After that, the plan renews every 5 years. Available to those 18 to 60.
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SIMPLIFIED PREFERRED 30 YEAR TERM
Purchase inexpensive, renewable, and convertible coverage for 30 years from $50,000 to $500,000. Our premiums for this plan are among the lowest in Canada and they will not increase for the first 30 years. After that, the plan renews every 5 years. Available to those 18 to 55.
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