To apply for Member Term Life Insurance, you must be:

• a Member of one of the Institutes of Chartered Accountants of Ontario, New Brunswick, Prince Edward Island, Newfoundland, Nova Scotia or Bermuda;
• under Age 65; and
• resident in Canada or Bermuda.

To apply for Term Life Insurance for your Spouse or common-law Spouse (who must be under Age 65), you must be:

• a Member of one of the Institutes of Chartered Accountants of Ontario, New Brunswick, Prince Edward Island, Newfoundland, Nova Scotia or Bermuda; and
• resident in Canada or Bermuda.

To apply for Member Personal Accident Insurance, you must be:

• covered by or applying for Member Term Life Insurance or Member Income Protection Insurance;
• a Member of one of the Institutes of Chartered Accountants of Ontario, New Brunswick, Prince Edward Island, Newfoundland, Nova Scotia or Bermuda;
• under Age 65; and
• resident in Canada or Bermuda.

To apply for Personal Accident Insurance for your Spouse or common-law Spouse (who must be under Age 65), you must be:

• a Member of one of the Institutes of Chartered Accountants of Ontario, New Brunswick, Prince Edward Island, Newfoundland, Nova Scotia or Bermuda; and
• resident in Canada or Bermuda.

To apply for the Child Life & Accident Insurance rider on Member or Spouse Term Life Insurance you have or are applying for, your children must be:

• unmarried;
• dependent on the Member for support; and
• under Age 21 (or under Age 25 if in full-time attendance at school or university).

To apply for Member Critical Illness Insurance, you must be:

• a Member of one of the Institutes of Chartered Accountants of Ontario, New Brunswick, Prince Edward Island, Newfoundland, Nova Scotia or Bermuda;
• under Age 65;
• resident in Canada or Bermuda; and
• free of these specific pre-existing medical conditions or procedures:
  • Active hepatitis, AIDS or AIDS-related disease
  • Alcohol abuse in the past five years
  • Alzheimer’s disease
  • Any heart condition or heart trouble (excluding controlled hypertension)
  • All cancer except basal cell skin cancer
  • Coronary bypass surgery
  • Diabetes
  • Heart attack
  • Huntington’s chorea
  • Kidney disease, other than kidney stones or a history of kidney infection
  • Lou Gehrig’s disease (Amyotrophic Lateral Sclerosis, or ALS)
  • Major organ transplant recipient
  • Multiple sclerosis
  • Permanent paralysis (paraplegia, quadriplegia), other than Bell’s Palsy
  • Pulmonary fibrosis
  • Stroke (cerebrovascular accident)
  • Transient Ischemic Attack

To apply for Spouse Critical Illness Insurance for your Spouse or common-law Spouse, your Spouse must be:

• under Age 65;
• resident in Canada or Bermuda; and
• free of these specific pre-existing medical conditions or procedures:
  • Active hepatitis, AIDS or AIDS-related disease
  • Alcohol abuse in the past five years
  • Alzheimer’s disease
  • Any heart condition or heart trouble (excluding controlled hypertension)
  • All cancer except basal cell skin cancer
  • Coronary bypass surgery
  • Diabetes
  • Heart attack
  • Huntington’s chorea
  • Kidney disease, other than kidney stones or a history of kidney infection
  • Lou Gehrig’s disease (Amyotrophic Lateral Sclerosis, or ALS)
  • Major organ transplant recipient
  • Multiple sclerosis
  • Permanent paralysis (paraplegia, quadriplegia), other than Bell’s Palsy
  • Pulmonary fibrosis
  • Stroke (cerebrovascular accident)
  • Transient Ischemic Attack

To apply for Member Income Protection Insurance, you must:

• be a Member of one of the Institutes of Chartered Accountants of Ontario, New Brunswick, Prince Edward Island, Newfoundland, Nova Scotia or Bermuda;
• be under Age 65;
• be resident in Canada or Bermuda; and
• currently have Earned Income.

To apply for Office Overhead Expense Insurance, you must be:

• a Member of one of the Institutes of Chartered Accountants of Ontario, New Brunswick, Prince Edward Island, Newfoundland, Nova Scotia or Bermuda;
• under Age 65;
• resident in Canada or Bermuda; and
• the owner of (or a partner in) a Firm.

As a New Member, you are invited to apply within 90 days after joining the Institute. To take advantage of these time-limited insurance offers, you must:

• be resident in Canada or Bermuda;
• be under Age 36; and
• apply no later than 90 days after becoming a Member of the Institute of Chartered Accountants of Ontario, New Brunswick, Prince Edward Island, Newfoundland, Nova Scotia or Bermuda.