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Guaranteed Issue

Guaranteed Issue plan is Guaranteed Policy.
You will not be turned down for coverage regardless of health condition. It is a simple insurance solution designed to meet the insurance needs of the most challenging applicants.
Regardless of your medical condition or previously declined for life insurance, you are eligible for this plan. It is generally purchased to cover final expenses by individuals who are not eligible for other plans of insurance.

What's are conditions for your eligibility? You are aged 40 to 79 and have a permanent Canadian address. Yes, that's it!

Want more? You may be eligible to buy this policy even if:

- You have been deferred, postponed, or declined insurance for any reason;
- You had past health issues that would lead to a deferral or decline under traditional plans; or
- You are newly landed immigrant or otherwise not a Canadian citizen

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Simplified Protection

Simplified Protection Plan is a permanent life insurance solution for residents of Canada between the ages of 18 and 79 who need lifetime insurance protection with a simple and fast qualifying process.
- You aged 18 to 70 and Canadian resident - may be eligible for coverage of up to $300,000
- You aged 71 to 79 and Canadian resident - may be eligible for coverage of up to $150,000

Simple, like this! But wait for more - you may be eligible for this policy even if:
- You have been deferred, postponed, or declined insurance for any reason;
- You had past health issues that would lead to a deferral or decline under traditional plans; or
- You are the newly landed immigrant or otherwise not a Canadian citizen.

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Preferred Protection

With First-Day coverage, preferred rates, and simplified underwriting Preferred Protection is an ideal option for clients who want all the benefits of traditionally underwritten insurance alongside the ease and simplicity of no medical plan.
- You aged 18 to 70 and Canadian resident - may be eligible for coverage of up to $300,000
- You aged 71 to 79 and Canadian resident - may be eligible for coverage of up to $150,000

That is not all - even with First-Day coverage, you may be eligible for this policy even if:
- You have been deferred, postponed, or declined insurance for any reason;
- You had past health issues that would lead to a deferral or decline under traditional plans; or
- You are the newly landed immigrant or otherwise not a Canadian citizen.

Get Started - Get an insurance quote!

Traditional Insurance

Every day, we help Canadians across the country to properly understand the life insurance market and simplify the process by providing options for your individual situation. Our licensed life insurance advisors will provide you with one-on-one service giving you the most cost-effective and beneficial options for you and your family, taking into consideration your age, health, family status and even economic situation.