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Term life insurance
Affordable life insurance to protect your family’s financial future, for as long as you need.
What is term life insurance?
Term life insurance is a simple and affordable solution that provides tax-free payments in the event of death. This coverage is particularly helpful if you have a mortgage, or if you are a parent to young children and want to provide financial support for their needs until they are independent. This type of life insurance is specifically designed to protect your family’s financial security for a given period.
Affordable
Because the period is fixed, you’ll benefit from higher coverage and lower premiums than permanent life insurance.
Simple
Your premiums and coverage won’t change for the entire term. At the end of the term, you can renew your coverage or choose another kind of insurance.
Flexible
The coverage period can range from 10 to 40 years, which lets you choose insurance coverage that meets your changing needs.
Our products
Access Life
This term life insurance is designed for people who have difficulty getting insured, because of their age, their health or where they are from.
Offered for 15, 20 or 25 years.
Access Life is simple and easy to apply for because there is no medical exam required. You only have to answer a few questions about your current health condition.
Pick-A-Term
Pick-A-Term is designed primarily for young families who have many financial commitments and who want to maximize their life insurance during the time when their children are financially dependent.
Offered for 10- to 40-year periods, based on your financial commitments.
Pick-A-Term is very flexible and covers all of your loans (mortgage, line of credit, car loan, etc.).
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Protections adapted to your needs
Gianna, age 26
- Specialized educator
- Single, lives in an apartment
- Female, non-smoker
Young professional and recent graduate, Gianna would like to take out a term life insurance policy while she is young and healthy. She would like to protect her family from her student and car loan debt.
Max, age 35
- Computer engineer, self-employed
- Owner of a townhouse in his hometown with his spouse
- Male, non-smoker
Max recently purchased a home with his spouse and would like to start a family soon. He wants to protect his investments and guarantee his family’s security.
Sylvie, age 50
- Works at an accounting firm
- Single mother of two teenagers
- Female, non-smoker
- Pre-retired
Sylvie wants to cover her needs until her two children leave home. She wants to leave her family a debt-free inheritance in the event of her premature death.
Compare our term life insurance products
| Access Life | Pick-A-Term | |
|---|---|---|
| No medical exam | — | |
| Fixed premiums | ||
| Guaranteed renewal | ||
| Option to convert to permanent life insurance | Before age 71 | Up to age 71 |
| Coverage period | 15, 20 or 25 years | 10 to 40 years |
| Face amount | Up to $500,000 | Up to $10,000,000 |
| Tax-free death benefit |