Keep looking after loved ones

Whether you’re single or part of a couple, a recent graduate or close to retirement - important people rely on you. It might be children, a partner or even your parents. Life insurance helps them cover expenses and may even protect their lifestyle if you can’t be there every step of the way.

Life insurance can help...

• Pay a mortgage, taxes, funeral costs or other bills
• Maintain your family’s lifestyle without your income

It's especially important if:

• You are a single parent who provides sole support, or a majority of the support, for your children
• Your loved ones would have a difficult time managing financially without you

Why choose life insurance offered through your association?

• Savings on the insurance you need, thanks to group pricing

How much coverage do you need?

The online life insurance calculator can help inform you how much coverage you might need to financially protect your loved ones in the event the unexpected happens.

How much coverage can you apply for?

• You and your spouse¹: $50,000 to $1,000,000 of coverage, in units of $25,000 (but your spouse cannot apply for more coverage than you do)
• Dependant children²: $10,000 per child. Coverage for all of your children costs only $2.25 per month

Find out more in your plan brochure.

Extra advantages

• Waiver of premium: With this program, if you’re totally disabled³ for six months before age 65⁴, your life insurance continues, but you don’t have to pay the premiums. In this case, you’ll need to meet all the requirements to show you are totally disabled.
• Living benefit if you or your spouse becomes ill with a life expectancy of less than a year⁵.
• Easy switch to an individual policy: If you or your covered family member’s life insurance ends before age 66, other than by your choice (for example, if you leave this association), you can apply to switch to an individual life policy. That policy gives you up to $200,000 in coverage (or more, if legislation requires). You don’t need to provide any proof of good health, as long as you apply within 31 days of your association life insurance coverage ending.

You're eligible if you are:

• A member in good standing with your association, working at least 25 hours a week
• Between the ages of 18 and 64 (coverage ends on member’s 75th birthday)
• A resident of Canada

Meet the criteria? You can get life insurance for:

• You
• You + your spouse
• You + your spouse + your children

What's the cost?

Our rate sheets can provide you with a quick estimate.

Considering coverage for dependant children? 

Coverage for all of your children costs only $2.25 per month.

Find out more in your plan brochure.

Take these three steps to apply:

Medical underwriting is required.

Exclusions:

No benefits are payable for a death which occurs before insurance under this benefit has been in effect continuously for 2 years with respect to the insured or spouse, if death results directly or indirectly from self-inflicted injury or suicide, regardless of whether the person has the ability to form the requisite intent or regardless of whether the person has a mental illness such that the person does not know or understand the consequences of the person’s actions.

If the insured’s or spouse’s life insurance is subject to more than one effective date due to additional amounts having been applied for on the deceased, the 2-year period will run separately from each effective date.