Products

Target clientele

• Hard-to-insure clients due to important medical issues
• Clients who have been deferred or rejected by other insurers can be covered
• Available for Canadian residents
• Clients who may be declined because of their lifestyle
• Also available for clients who were rejected with the Instant or Express issue

Summary

• Guaranteed premiums
• A great way to cover last expenses quickly and simply, up to $25,000
• No medical exam, no attending physician statement or fluids required
• Only 2 insurability questions
• 20-pay available
• Efficient for clients who want a quick and easy process100% online in less than 48 hours
• Electronic delivery of the contract
• Accidental death coverage from the very first day
• Natural death – deferred for 24 months – premium refunded

• Adaptable
  • 8 payment options, including a 20-pay
  • Reduced paid-up option
  • Guaranteed cash back value starting on the 10^th anniversary
  • Chapters A and B must be equal

• Integral
  • Reduced paid-up coverage starting at $1,000 of premium paid
  • Cash back value starting at age 75

Products

Target clientele

• Lets clients who have been deferred or rejected by other insurers to be covered
• Available for Canadian residents
• Allows life insurance needs to be covered quickly and simply
• Clients who may be rejected because of their lifestyle
• Also available for clients who would be rejected in the Express issu

Summary

• Guaranteed premiums
• Up to $50,000 of coverage, quickly and simply
• No medical exam, no attending physician statement or fluids required
• Only 8 insurability questions
• 20-pay available
• Efficient for clients who want a quick and easy issue, 100% online in less than 48 hours
• The whole process is done
• Electronic delivery of the contract
• Accidental death coverage from the very first day
• Natural death – deferred for the first 12 months – premium refund
• Natural death – 50% of the insurance amount between 12 and 24 months

• Adaptable
  • 8 payment options, including a 20-pay
  • Reduced paid-up option
  • Guaranteed cash back value starting on the 10^th anniversary
  • Chapters A and B must be equal
• Integral
  • Reduced paid-up coverage starting at $1,000 of premium paid
  • Cash back value starting at age 75

Products

Target clientele

• Allows clients who have been deferred or declined by other insurers to be covered
• Available for Canadian residents
• Insure your clients quickly with few questions
• Clients who may be rejected because of their lifestyle
• Also available for children 0 to 15 years old

Summary

• Guaranteed premiums
• Coverage from the first day (not deferred)
• No medical exam, no attending physician statement or fluids required
• Efficient for clients who want a quick and easy issue, 100% online in less than 48 hours

• Term Superior+
  • Exchangeable (T-10, T-20 & T-25), renewable and convertible
  • Benefit in the event of severe loss of autonomy
• Whole Life High Values
  • 20-Pay only
  • Guaranteed cash values: 50% of the insurance amount at age 65 (or after 20-pay for ages 46 and over)
  • Reduced paid-up value: available on the 10^th contract anniversary
  • Also available to children aged 0 to 15 years old with only 7 eligibility questions
• Adaptable
  • 8 payment options, including a 20-pay
  • Guaranteed cash back value starting on the 10^th anniversary (with the Chapter B)
  • Reduced paid-up option
  • Also available for children 0 to 15 years old with only 8 admissibility questions

• Integral
  • Reduced paid-up coverage starting at $1,000 of premium paid
  • Cash back value starting at age 75

• Juvenile 30/100
  • $100,000 life insurance for children aged 0 to 15
  • $10,000 critical illness covering 9 conditions

Products

• Immediate decision | No additional exam, fluids or medical report from the attending physician

• Premiums automatically determined based on answers to eligibility questions (standard or adjusted)

Get a decision similar to the one from an underwriter in just a few clicks

• Allows customers who are declined or deferred by other insurers to purchase insurance
• Available for Canadian residents
• Insures customers quickly with few questions

•  customers who may be denied for their lifestyle
• Also available for children 0 to 15 years old

Summary

• Guaranteed premiums
• Coverage from the first day (not deferred)
• No medical exam, no attending physician statement or fluids required
• Enables quick coverage up to $500,000
• Only 25 eligibility questions
• Efficient for clients who want a quick and easy issue, 100% online in less than 48 hours

• Term Superior+
  • Exchangeable (T-10, T-20 & T-25), renewable and convertible
  • Benefit in the event of severe loss of autonom