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Alternative Loan Insurance

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No medical examination
No blood test
No X-rays
Level Premiums
Term and Permanent Solutions Available

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Because we beleive that everyone should be eligible for life insurance, we have designed simple and complete life insurance accessible to everyone. Alternative Life Insurance is suitable for everyone who wants to benefit from financial coverage in case of death and who doesn�t want to undergo medical examinations or whose health prevents them from purchasing regular life insurance.

Coverage for the first two years of the policy is limited to the amount of premiums paid plus 5% interest. In the event of Accidental Death, coverage is doubled as soon as the coverage takes effect.

Standard Benefits

Coverage amounts can range from $5,000 to $150,000 for ages 6 months to Age 80. Face amounts can be level, or indexed 3%/year to a maximum of 2 x Initial Face Amount.

Premium Structure
Premiums may be paid for life, 10 years, 20 years, or up to Age 85 depending upon issue age.

Surrender Value and Paid-up Insurance
Available and guaranteed as soon as Year 4

Click here for more information on IA Pacific's Life insurance and other products designed to be Easy Issue or Guaranteed Issue.

Considering Life Insurance? (Canadian residents only) Besides offering the widest selection of travel insurance in Canada at the best possible rates, is also affiliated with DesLaurier Financial Services (our parent company) which extends the same philosophy to Life Insurance and other Insurance products including Critical Illness and Disability Insurance). Please take a look at some of the excellent rates we offer here:

Instant Life Insurance Quote

Gender:  Male     Female 
Smoker/Tobacco:  Yes    No 
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