Overview

With unmatched affordable and flexible multi-life protection, our Family Term and Business Term provide a variety of options to easily customize your clients’ coverage. When their needs change, you’ll have the perfect solution.

Rates to go

Family Term is ideal for individuals and families looking for:

  • Mortgage and debt protection
  • Income replacement
  • Coverage for final expenses
  • Financial security for their family’s future
  • Estate planning (Term-Life)

Business Term is designed for business owners to help minimize disruptions and ensure business continuation. It’s ideal for:

  • Buy-sell funding
  • Key person or employee coverage
  • Collateral insurance
  • Estate tax coverage

With Family and Business Term’s wide range of flexible features, your clients can:

  • Choose from four coverage options (Term-10, Term-20, Term-65, or Term Life)
  • Insure multiple lives
  • Apply for single, joint or combined coverage
  • Renew at guaranteed rates
  • Convert to equal or less  permanent coverage without additional underwriting
  • Add coverage using a wide range of riders

Family Term

  • Combined coverage for savings on policy costs
  • Healthstyle underwriting for the best fit premium
  • Simple Issue Lifecheque for quick and easy access to Critical illness insurance

Optional riders:

  • Total Disability Waiver rider (TDW)
  • Child Protection rider (CPR)
  • Accidental Death and Dismemberment rider (AD&D)
  • Guaranteed Insurability Option(GIO)
  • Business Value Protector (BVP)

Business Term

  • Combined coverage for savings on policy costs
  • Healthstyle underwriting for the best fit premium
  • Simple Issue Lifecheque for quick and easy access to critical illness insurance
  • Business Value Protector (BVP) lets your client buy more insurance as their business grows - without medical evidence

Optional riders:

  • Total Disability Waiver (TDW)
  • Business Value Protector (BVP)

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