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Term 30 Life Insurance

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Term 30 Life Insurance

Term 30
Premiums Guaranteed level for 30 years.
Coverage Guaranteed level for the life of the policy.
Cancellation Maybe be cancelled at any time by the policy owner. Non-cancellable by the insurance company.
Underwriting In most cases, a short medical history phone call and ordering of a report from your doctor.
Policy Owner You.
Beneficiary Your choice.
Renewals Renewable for life. After 30 years, policy renews every 10 years to age 85. At age 85, option to renew the policy with level premiums to age 100, at which time the policy becomes fully paid up.
Conversion Option to exchange to permanent life insurance without medical information, up to age 71.
Accelerated Death Benefits In the event of limited life expectancy, access a portion of your death benefit while you are still alive (subject to conditions).
Critical Illness Option Add $100,000 of coverage for 25 primary and 4 minor conditions. See Critical Illness Insurance option for more details.
Suitable for Canadians who need life insurance coverage for 30 years.

About Term 30 

What Happens if You Become Uninsurable?

If you become uninsurable prior to age 71, you can use the conversion option to exchange your term life insurance policy for a permanent life insurance policy.  No medical underwriting is needed to do this conversion, premiums are based on your health class from when you originally purchased your term life insurance policy.

Term 30 Coverage Can be Maintained Up to Age 100

Premiums are level for 30 years, and then renew every 10 years until age 85.  At age 85 you have the option to renew with level premiums to age 100, at which point the policy becomes fully paid up.

Compare Benefits 

Read about our other policies and compare which one suits you. 

Term 10
Term 20
Critical Illness
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