The CAA Guaranteed Life Insurance Plan offers you benefits that grow with your CAA Membership.

You deserve the right to enjoy everything you've earned over the years. To help you gain the peace of mind that makes this possible, we developed the CAA Guaranteed Life Insurance Plan with benefits that grow 2% for every year you remain a CAA Member, plus a wide range of additional features unique to this plan. Take a look at everything the CAA Guaranteed Life Insurance Plan offers you, all for exclusive low CAA Member prices:

A CAA EXCLUSIVE! On top of your Guaranteed Life benefit, you'll be covered by a CAA Member Bonus that will increase 2% every year you remain a CAA Member. On each anniversary of your enrollment in this Plan, your CAA Member Bonus will grow by 2% of the benefit amount if you remain a CAA Member. The CAA Member Bonus will grow for up to 25 years of continuous CAA Membership, contributing up to $12,500 in extra protection with no additional premiums to pay!

You get up to 20% off if you don't smoke. If you enroll as a smoker, you can take advantage of this better value by applying to switch to the lower non-smoker rates once you have quit smoking cigarettes for at least 12 months.

As a CAA Member aged 50 to 75 and resident in Canada, you cannot be turned down for this Plan for any medical reason whatsoever. When you apply, you do not need to undergo any medical examination to be approved for coverage. In fact, no medical questions (other than whether you smoke) will be asked at all. You can also insure your spouse if he or she is between the ages 50 to 75 and resident in Canada. Simply complete and return the Enrollment Form. It's that easy!

Starting on the first day your application is received, you are covered for five times your Guaranteed Life benefit amount if accidental death occurs before age 85. This Accidental Death Benefit replaces your CAA Guaranteed Life benefit and your CAA Member Bonus with an amount equal to five times your CAA Guaranteed Life benefit at the time of accidental death. Depending on the amount of the coverage you have, your beneficiaries could receive up to $125,000 in total.

Rates will never go up. Rates are guaranteed never to increase. When you reach 100, you'll have no further premiums to pay, but your coverage will remain in effect.

You can claim a Living Benefit advance of up to 50% of your life insurance benefit amount if terminally ill with 12 months or less to live. This money is yours tax-free and interest-free to spend as you wish. Once you have received the Living Benefit, you'll have no further premiums to pay, but your coverage will remain in effect. (Living Benefit automatically becomes active once your coverage has been in effect for two years.)

Your satisfaction is guaranteed or your money is refunded. You will have 30 days to examine your policy and, if you are not completely satisfied, you may cancel your coverage for a full refund of premiums paid ...no questions asked!

Coverage under the CAA Guaranteed Life Insurance Plan is subject to certain limitations and exclusions.