Term Life Insurance

Term insurance offers coverage for a fixed period of time, for a certain number of years for example, 15, 20 or 25 years or up to a given age. As a result, term life insurance premiums are lower than permanent life insurance premiums.
 

Term life insurance is most suitable for anyone:

 
  • seeking flexibility and low cost.
  • with temporary debts, such as a mortgage.
  • owning a small business with debts or high start-up costs.
  • owning a business with significant coverage requirements, for example, to protect a partner or fund a buy-sell agreement.


FlexTerm

  • No medical exam required for life insurance coverage of $499,999 or less
  • For individuals aged 18-75
  • Coverage ranging from $50,000 to $4,000,000
  • Renewable and convertible
  • Option to increase the term
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FlexOptions

  • For people aged 18-65
  • Terms of 15, 20 or 25 years
  • Disability insurance option
  • In most cases, no proof of mortgage required
  • Convertible into a permanent policy
  • Insurance amount will never decrease below 50% of initial coverage amount
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Youth Plus

  • For children aged 15 days-17 years
  • Premiums remain the same for the life of the contract
  • Child’s coverage (guaranteed death benefit) will not decrease until age 25
  • Simplified issue, no medical exam
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No Medical Term Immediate

  • For individuals aged 20-70
  • No medical exam, no blood tests
  • Coverage ranging from $50,000 to $250,000
  • Renewable and convertible

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No Medical Term Deferred

  • For individuals aged 20-70
  • No medical exam, no blood tests
  • No attending physician statement
  • Coverage ranging from $50,000 to $150,000
  • Coverage deferred for the first two years of the policy

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