Underwritten Products

With FlexTerm, clients can build their own term insurance bundles by combining disability income options, critical illness riders, and more, to create solutions that best suit their family's needs!

Ideal for young couples who are looking to reimburse a personal or commercial loan, replace their income, cover their children's education, create an emergency fund and more. FlexTerm is designed for when life happens. It also ensures the versatility they need to secure their financial well-being.
 
Product features

• Level and decreasing term life insurance
  • The decrease is based on a mortgage loan with an interest rate of 8%
• Issue ages: 18-75
  • Maximum age is 85 minus the duration of the term selected
• Minimum coverage: $100,000
• Maximum coverage: $10,000,000
• Underwritten product with the option of accelerated underwriting 
• Term options: 10, 15, 20, 25, 30 and 35 years
• Guaranteed premiums
• Guaranteed coverage
• Yearly Renewable Term (YRT = 1) up to age 90
• Convertible up to age 75
• Value-added benefits:
  • Extreme Disability Benefit
  • Insurability Benefit
  • Term Exchange Option
  • Transportation Benefit
• Available as an individual or joint first-to-die policy
• Data collection form available

Additional Benefit Riders

• Accidental Death
• Accidental Fracture Plus
• Child's Insurance Benefit
• Critical Illness Rider 
• Disability Income based on employment income (accelerated issue up to $1,500) 
• Disability Income based on loans (accelerated issue up to $1,500) 
• Waiver of Premium Upon Death
• Waiver of Premium Upon Disability
• Rider Guide

Youth Plus offers a quick and easy way to provide guaranteed insurability at little cost. Convert Youth Plus to a permanent or term insurance at age 25, regardless of health status.
 
Product features

• Issue ages: 0 (15 days) to 17 years (payable to age 25)
• Life coverage between $35,000 and $175,000
• Guaranteed insurability (convert at age 25 without proof of insurability) 
• Underwritten product with the option of accelerated underwriting 
• Guaranteed level premiums
• Living benefit ($10,000 for each $35,000 of insurance) when diagnosed with one of the
  following medical conditions:
  • Cancer
  • Cerebrovascular accident (stroke)
  • Heart attack
  • Vital organ transplant
  • Paraplegia
  • Quadriplegia

Additional Benefit Riders

• Accidental Death
• Accidental Death & Dismemberment
• Waiver of Premium upon Death, on the owner and payer
• Waiver of Premium upon Disability, on the owner and payer
• Youth Plus life riders, maximum of 5
• Rider Guide

Non-Participating Whole Life is ideal for individuals looking for a cost-effective whole life solution.

Product features

• Issue ages: 18 to 80
• Life pay (ages 18 to 80), or 20-year pay (ages 18 to 75)
• Minimum coverage: $10,000 (ages 18 to 75), $5,000 (ages 76 to 80)
• Maximum coverage: $10,000,000
• Individual, joint first-to-die, or joint last-to-die coverage
• Underwritten product with the option of accelerated underwriting
• Guaranteed level premiums
• Cash surrender values start after the 5th policy anniversary
• Value-added benefits:
  • Extreme Disability Benefit (not available on joint last-to-die)
  • Transportation Benefit (200km/up to $2,000)
• Data collection form available

Additional Benefit Riders

• Accidental Death
• Accidental Fracture Plus
• Child Insurance Benefit
• Critical Illness
• Disability Income based on employment income (accelerated issue up to $1,500)
• Disability Income based on loans (accelerated issue up to $1,500)
• Waiver of Premium upon Death
• Waiver of Premium upon Disability
• FlexTerm life riders, maximum of 5
• Rider Guide

Relevant Documents   Product Guide  Access Lia 

• Issue ages:
  • 18 to 70 if payable for 20 years
  • 18 to 75 if payable for life
• Life coverage from $5,000 to $4,000,000
• Life pay or 20-year pay
• Underwritten product with the option of accelerated underwriting
• Guaranteed level premiums
• Single or joint first-to-die coverage
• Dividend options available*:
  • Paid in cash
  • Reduced premium
  • Accumulation
  • Paid-up additions
  • Enhanced:
    • 15-year guarantee; or
    • Guaranteed until attained age 100
• Data collection form available

Additional Benefit Riders

• Accidental Death
• Accidental Fracture Plus
• Child Insurance Benefit
• Critical Illness
• Disability Income based on employment income (accelerated issue up to $1,500)
• Disability Income based on loans (accelerated issue up to $1,500)
• Waiver of Premium upon Death
• Waiver of Premium upon Disability
• FlexTerm life riders, maximum of 5
• Youth Plus life riders, maximum of 5
• Rider Guide

Relevant Documents   Product Guide  Access Lia 

• Ages: 0 (15 days)  to 17 years
• Life coverage from $5,000 to $4,000,000
• 20-year pay
• Underwritten product with the option of accelerated underwriting
• Guaranteed level premiums

• Accidental Death and Dismemberment
• Waiver of Premium Upon Death, on owner and payer
• Waiver of Premium Upon Disability, on owner and payer
• FlexTerm life riders, maximum of 5
• Youth Plus life riders, maximum of 5
• Rider Guide

Relevant Documents   Product Guide  Access Lia 

A critical illness product that offers the best of both worlds: 

• Accelerated issue if all answers are "NO"
• Able to submit application even if there is a "YES" answer 
   

• Issue ages: 18-60
• Coverage from $10,000 to $100,000
• 16 covered critical illnesses
• Term 15 (ages 18-60)
• Term 20 (ages 18-55)
• Term 25 (ages 18-50)
• Term 75 (ages 18-60)
• Term 75 20-year pay (ages 18-50)
• Accelerated issue or fully underwritten
• Guaranteed premiums

Additional Benefit Riders

• Critical Protection
• Return of Premiums upon Death
• Flexible Return of Premiums
• Rider Guide

Relevant Documents   Product Guide  Access Lia