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Permanent Life Insurance

Permanent Life Insurance

Permanent life insurance provides guaranteed security—once you’re covered, you’re covered for life. This is ideal coverage for when you're young and healthy, because enrollment rates are guaranteed. Many also choose whole life insurance later in life when the children are grown, the mortgage is paid and retirement is on the horizon.

Easy & Preferred Access

One of our most popular products, Easy Access provides financial security and money for final expenses with no medical exams or tests.

And, if you can satisfy six additional health questions, you qualify for Preferred Access: the same great benefits as Easy Access – at even better rates.

View plan details

Issue ages 
Age range to be eligible for the product is 40 – 85 years.

Face amount 
Total coverage amount up to $35,000.

Contract length
The contract is in force for life.

Guaranteed level premiums  
Premiums remain the same for the duration of the contract. They will not increase.

Qualifying for coverage  

To qualify for Easy Access, you'll be asked questions about your medical history to qualify—but there is NO medical exam*. For even better rates, answer six additional medical questions to qualify for Preferred Access.

Accidental death benefit
Coverage amount to your beneficiary doubles should your death be the result of an accident. 

Immediate death benefit 
No waiting period before the death benefit is payable.

Premium amount
Premiums vary based on how much insurance you want and whether you pay monthly or yearly. Minimum premium amount is $20 per month or $200 per year.

Cash surrender value, should you decide to end your contract, available after 3 years.

*Physician’s verification may be necessary based on age and face amounts.


Whole Life 100

A permanent insurance that builds cash value.


Plan details

Issue ages 
Age range to be eligible for the product is 15 days – 85 years.

Face amount 
Total coverage amount available from $5,000 and up.

Contract length
The contract is in force for life.

Guaranteed level premiums  
Premiums remain the same for the duration of the contract. They will not increase.

Qualifying for coverage  
You'll be asked questions about your medical history to qualify—but there is NO medical exam*. 

Immediate death benefit 
No waiting period before the death benefit is payable.

Premium amount
Premiums vary based on how much insurance you want and whether you pay monthly or yearly. Minimum premium amount is $20 per month or $200 per year (reduced for children).

Cash surrender value, should you decide to end your contract, available after 5 years.


*Some medical testing may be necessary based on age and face amounts.


Optional riders

Any of the following riders may be added to your Whole Life 100 plan.

Family term rider
Extend coverage to your spouse and children at affordable rates. When children reach age 21, they can convert their coverage to permanent life insurance with Medavie Blue Cross, at up to five times its previous value—no matter what their health.  

Waiver of premium
If, prior to age 60, you become disabled (as defined in the policy) for a period of at least 6 months during the term of the contract, the premiums for your life insurance policy are waived for the duration of your disability.

Accidental death
This option provides an additional payment to your beneficiary should your death be the result of an accident. Provide your beneficiary with up to two times the amount of coverage included under your life insurance policy.


Century Life

Low rates and permanent protection are key features of this innovative term product. The contract remains in force for life, not just for a set period of time, so the affordable premiums are guaranteed to always remain the same.

Plan details

Issue ages 
Age range to be eligible for the product is 15 days - 70 years

Face amount 
Total coverage amount available is $10,000 and up.

Contract length
The contract is in force for life.

Guaranteed level premiums  
Premiums remain the same for the duration of the contract. They will not increase.

Qualifying for coverage   
You'll be asked questions about your medical history to qualify—but there is NO medical exam*.

Immediate death benefit 
No waiting period before the death benefit is payable.

Premium amount
Premiums vary based on how much insurance you want and whether you pay monthly or yearly. Minimum premium amount is $20 per month or $200 per year.

No cash surrender value should you decide to end your contract.



*Some medical testing may be necessary based on age and face amounts.

Optional riders

Any of the following riders may be added to a Century Life plan.

Family term rider Extend coverage to your spouse and children at affordable rates. When children reach age 21, they can convert their coverage to permanent life insurance with Medavie Blue Cross, at up to five times its previous value—no matter what their health.  

Waiver of premium If, prior to age 60, you become disabled (as defined in the policy) for a period of at least 6 months during the term of the contract, the premiums for your life insurance policy are waived for the duration of your disability.

Accidental death This option provides an additional payment to your beneficiary should your death be the result of an accident. Provide your beneficiary with up to two times the amount of coverage included under your life insurance policy.


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