Term 100 Life Insurance provides you the coverage you need, for life.
Coverage for life as long as you pay your premiums.
Premiums remain the same for the duration of the entire policy.
Get lifetime coverage – without lifetime payments!
Your payments are locked in at the age you purchase. Whether you’re paying for 20 years or until age 100 – your rates stay the same.
Coverage doesn't expire unless you cancel it or don't pay your premiums. Otherwise, you're protected for life.
$75,000; or $100,000
If you’re 18 to 60 years old you can choose to pay premiums for the first 20 years. You’ll get lifetime coverage – without lifetime payments!
Coverage goes with you if you change jobs or residence anywhere in the world.
Members of the Canadian Armed Forces, Veterans, their spouses and adult children can apply from age 18 to 70. They must also be a Canadian resident at time of application.
No medical tests are normally required at the time of application. If the applicant is age 64 and under and can answer "no" to the simple medical questions, they may not have to undergo a paramedical / medical tests at the time of application.
There’s just one exclusion: Suicide within two years of the effective date of coverage. In this case, your beneficiary (or your estate, if you don’t choose a beneficiary) will receive a refund of all premiums paid.
A beneficiary is the person (or people), trust or institution that you designate as the recipient of your coverage amount. In Quebec, a beneficiary designation in favour of a spouse is irrevocable unless otherwise stated.
You’ll receive a full refund within 30 days of purchase if you’re not completely satisfied.