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Our Policies

Our policies are underwritten by Wawanesa Life, a Canadian life insurance company rated A (Excellent). In addition to being a solid Canadian company, they have amongst the lowest premiums for term life insurance in Canada. And we’ve found them to have the best service of any life insurance company – at point of application and at claim time.

Here’s What Makes Our Policies Stand Out

1. Renewable

At the end of your term, your policy doesn’t just stop -it’s renewable for life! At the end of your first term, the policy renews as a Term 10 until age 85. At age 85, your policy then renews as a Term to 100 with level premiums to age 100. Then at age 100, your policy becomes fully paid up – no more premiums ever!

2. Convertible

You can exchange your term policy for a permanent policy up to age 71 – with no medical exam! Our term policies let you lock in lifetime coverage even if you’re completely uninsurable. The convertible feature is also commonly used to get a small permanent policy as you near retirement. When your first term is up, simply use the conversion option then reduce the coverage amount down to the minimum – you’ve now got a small final expense/burial policy without a medical exam! The conversion option is included in your premiums, at no additional charge.

3. Exchange Option

Exchange your term for a newer, longer term policy in the first 5 years of your policy. If you purchase a term 10 for budget reasons, once your budget frees up you can swap to a term 20 or term 30 in the next 4 years – no medical exam! The exchange option is included in your premiums, no additional charge.

4. Critical Illness Insurance

Option to add $100,000 of term 10 critical illness insurance to your term life insurance policy.

5. Accelerated Death Benefits

If you have a limited life expectancy (generally less than 1 year), you may qualify to access up to 25% of your death benefit while you’re still alive.

Not All Online Term Policies are the Same 

It’s important to look at the fine print because not all online term policies offer the same things. As life insurance advocates, we pride ourselves on educating and offering the best policy for you and your family, without the surprises. 

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