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Home > Canada Protection Plan > CPP No Medical Simplified Term Plus Life Insurance
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No Medical Simplified Term Plus

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The Simplified Term Plus policy is available with 10 or 20 year renewable premiums or level premiums to age 100. For the renewable premiums your premium payments will not increase for each renewal period. For the level premium to age 100, premiums never increase. There are a number of options available with this plan. It can be purchased if you are 20 to 70.

Standard Benefits
Coverage amounts can range from $25,000 to $150,000.

You can renew your policy without any additional medical information for additional periods until you turn age 80 for 10 year renewable and age 90 for 20 year renewable.

Optional Features
Accidental Death Benefit
If you die by accidental means and your payments are up to date, the amount of the Accidental Death Benefit will be paid in addition to your coverage amount. This benefit is available in amounts equal to 1, 3, or 5 times your coverage amount or $250,000 whichever is less. This option is available for those 25 to 65. Premiums for this option will not increase. This benefit ends when you turn 70.

Child Term Benefit
You can also purchase $5,000 of coverage for each of your children. This option is available for children 30 days to 18 years old. The benefit ends when the youngest child turns 25, or when you turn 65, whichever occurs first. One premium covers all of your children. Even those born or adopted after your policy is issued.

Premium payments may be made annually, semi-annually, or monthly through automatic banking. The annual policy fee is $75 for the first policy, and an additional $50 for each additional policy (spouse or child). If you apply for more than one policy on your life, you are only charged one policy fee. You can pay annually or semi-annually by cheque, or by automatic monthly withdrawals from your bank account.

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