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The Engineers Canada-sponsored Term Life Plan can provide financial security to your loved ones when they need it most.

Thanks to the purchasing power of the more than 49,000 of your peers already insured under this Plan, the rates are kept low. This means you can afford as much protection as your family needs. You can even use this coverage as a low-cost alternative to mortgage insurance!

The Term Life Plan is in its 60th year of service to engineering professionals, and you are invited to enjoy an anniversary gift from Engineers Canada — up to 20% off your Term Life premiums until March 31, 2009! See how little you would pay, then apply online in moments.

Volume savings make coverage more affordable.

We offer coverage of up to $1,500,000 for you and for your eligible spouse. Choose the amount that best meets your needs. If you choose coverage of $500,000 or more per person you save 5% off the total premium. If you choose coverage of $1,000,000 or more you save 10%!

Enjoy premium-free coverage in your later years

Following your 75th birthday, Insurance Continuation coverage replaces your Term Life coverage with up to $150,000 in life insurance, premium-free for the rest of your life. Here's how it works: more...

At age 75 the Insurance Continuation Option replaces your Term Life coverage with premium-free permanent life insurance of up to $2,500 for each unit of Insurance Continuation Option you have. Add this benefit to your Member and Spouse Term Life coverage you buy for just pennies more a month. You can cancel it at any time. However, once cancelled, it cannot be reinstated. You must apply for and maintain at least one unit of the Insurance Continuation Option for yourself to apply for or maintain the Insurance Continuation Option for your Spouse.

Added benefits

Unique features make this coverage more valuable:

●	Living Benefit
	Living Benefit gives you the opportunity to receive a cash advance of up to 50% of your own Term Life benefit (to a maximum of $200,000) if diagnosed as terminally ill with less than 12 months to live. This “Living Benefit” is paid directly to you. The Living Benefit is automatically added, at no additional charge, to Member and Spouse Term Life coverage that has been in effect for two years.

●	Waiver of premium
	Your premiums are waived if you become totally disabled before age 65. Coverage that is in effect may be continued and premiums waived after you have been totally disabled for three (3) continuous months, provided the insurer has received satisfactory proof of claim.

●	Portable coverage
	This insurance moves with you if you change jobs or residence — anywhere in the world — unlike coverage you may have through your employer.

●	Convenience
	You can choose to pay your premium annually by cheque or credit card (VISA, MasterCard), or monthly by using the Pre-Authorized Collection plan (PAC) – whichever you find more convenient.

Eligibility

All applicants must be resident in Canada and under 61 years of age, or up to 65 years of age if already insured under this coverage. The following individuals are eligible to apply: more...

Members of the 12 provincial and territorial engineering licensing associations/ordre, including members in training. Also, student engineers who are members of a student section (in those associations where a student section exists) and who are within 24 months of expected graduation from a program accredited by the Canadian Engineering Accreditation Board. Members of the 10 provincial associations of technicians and technologists. Members of l'Ordre des Géologues du Québec. Members of the Association of Professional Geoscientists of Ontario. Members of l’Ordre des architectes du Québec. Members of the Manitoba Association of Architects. Members of the Newfoundland Association of Architects. Members of the Architects' Association of New Brunswick. Members of the Nova Scotia Association of Architects. Members of the Architects Association of Prince Edward Island. Permanent full-time employees of the eligible associations, as defined above, or of Engineers Canada. Limited licensees. Members and employees participating in the Term Life plan are eligible to apply for Term Life coverage for their Spouse, and for the Insurance Continuation Option for themselves and for their Spouse. Members must apply for and maintain at least one unit of the Insurance Continuation Option for themselves to apply for or maintain the Insurance Continuation Option for their Spouse. The cohabitation period for a common-law spouse is 1 year.

Rates See the rates that apply to you.

Limitations and exclusions Suicide within 2 years of the effective date of the insured’s coverage, or any increase in coverage, is a risk not covered. Please see the Certificate of Insurance for other limitations that may apply.