No Medical

Express Elite Term Insurance

For those in excellent health, a fast and affordable option for No Medical Life Insurance

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Who should consider
Express Elite Term Life Insurance?

Express Elite Term Plan is for ages 18 – 60 years, in excellent health and looking for a reliable No Medical required term life insurance plan at our lowest rates for up to $750,000 in coverage. Best of all, you could be protected within just a few days.

How much insurance can I buy?

18-5020 year term

$ 99

Per MonthYears Old

  • Minimum Face Amount $100,000
  • Maximum Face Amount $750,000
  • Renewal Period to age 80
  • Convertible to age 70
OPTIONAL BENEFITS
  • Accidental Death Benefit
  • Child Term Benefit
  • Hospital Cash Benefit

51-6020 year term

$ 99

Per MonthYears Old

  • Minimum Face Amount $100,000
  • Maximum Face Amount $500,000
  • Renewal Period to age 80
  • Convertible to age 70
OPTIONAL BENEFITS
  • Accidental Death Benefit
  • Child Term Benefit
  • Hospital Cash Benefit

18-5030 year term

$ 99

Per MonthYears Old

  • Minimum Face Amount $100,000
  • Maximum Face Amount $750,000
  • Renewal Period to age 80
  • Convertible to age 70
OPTIONAL BENEFITS
  • Accidental Death Benefit
  • Child Term Benefit
  • Hospital Cash Benefit

What is important to know about Express Elite Term Life Insurance?

Express Elite Term plans provides coverage for a fixed period of time, it is available with coverage for either 20 years or 30 years.

Express Elite Term provides immediate coverage with no waiting period. Term 30 Year policy is renewable for an additional term period of 20 years up to age 80 without having to provide evidence of insurability. Both Term 20 year and Term 30 year are convertible to age 70.

What options do I have to pay premiums?

Premium options include annual payments by cheque or credit card and monthly payments by pre-authorized bank debits.

What guarantees exist under this plan of insurance?

  • For level term insurance plans, the coverage amount will never decrease for the life of the policy, whether that is 20, or 30 years.
  • The premiums quoted when the policy is issued are guaranteed not to change for the life of the policy.
  • Satisfaction guaranteed or your money refunded – all Canada Protection Plan™ policies include a 10 Day Free Look Guarantee that gives you 10 days from the date you receive your policy, to review it and decide if it is right for you. If you decide to return your policy in those 10 days, we will refund your premium, no questions asked.

What additional NO COST benefits are included with every Express Elite Term policy?

In addition, all Canada Protection Plan policies may include a number of non-contractual member benefits, offered by Foresters Life Insurance Company, the company which underwrites our policies. These benefits may include:

  • competitive scholarships for tuition for higher learning worth up to $8000
  • a renewable higher learning scholarship worth up to $6000 per year for four years for children of deceased members
  • emergency grants to provide short term, temporary financial assistance to members affected by significant personal hardship, disaster or large-scale emergency
  • a monthly payment for orphans up to the age of 18 upon the death of both parents
  • money management assistance to provide confidential financial help by accredited counselors
  • legal link, which gives you access to complimentary and discounted to certain legal services, such as wills, home ownership and family law

What additional benefits may be added to an Express Elite Term policy?

For an additional premium, depending on your age, you may be eligible to add any of the following additional benefits:

  • A term insurance rider that will provide a low-cost option to increase your coverage for a temporary period of time. The term rider can be for any period that is shorter than the plan it is attached to.
  • Accidental Death Benefit which will pay up to 5 times the basic life insurance death benefit. This benefit will pay the chosen additional amount if the cause of death is accidental (as defined in your policy).
  • Child Term Benefit which insures each eligible child for $5,000, $10,000, $15,000 or $20,000.
  • Hospital Cash Benefit which pays a chosen daily benefit upon the hospitalization of the Insured $25/day, $50/day or $100/day
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