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    Guaranteed life insurance

    Why now?
    Your acceptance is guaranteed if you are 50-75 years of age and reside in Canada at the time of application. No medical exam or health questions are required to apply. Once we’ve processed your application and collected your first premium, you will have valuable coverage for life (as long as you continue to pay your premiums and subject to the termination provisions in the Policy).
    The plan offers:
    Lifelong coverage — the Guaranteed Life benefit amount you choose will never be reduced. As long as your premiums are paid when due, your protection will continue…even if your health changes.
    Monthly premiums never increase — Once you have applied, the monthly premium for your coverage will never increase. No matter how long you live, and no matter what your future state of health, you’ll always pay the same amount — guaranteed.
    No payments after age 90 — When you reach age 90, you won’t have to pay any more premiums. However, your coverage will continue for the rest of your life.
    Terminal Illness Benefit — you can receive 50% of your life insurance benefit while you are alive if, after 2 years of your coverage being in force, you are diagnosed with a terminal illness by a Medical Specialist and you have 12 months or less to live. You can use this money however you want.
    Accidental Death Benefit — your beneficiary could receive 5 times your Guaranteed Life benefit amount if you die as a direct result of an accident.
    A 30-day review period — If for any reason you are not completely satisfied with your ScotiaLife Guaranteed Life Insurance coverage, simply return the Policy within 30 days. Any premiums paid will be refunded — no questions asked.
    CoverMe Guaranteed Issue Life Insurance
    CoverMe™ Guaranteed Issue Life Insurance
    Your acceptance is guaranteed — regardless of your health or medical history
    Having trouble finding affordable life insurance because of your age or health? If you are between 40 and 75 and apply for CoverMe Guaranteed Issue Life insurance your acceptance is guaranteed. 1
    It doesn’t matter what your current health is or if you have a medical condition. You cannot be turned down. There are no health questions and no medical exams when you apply. 2
    Your premiums will never increase and your coverage — from $5,000 to $25,000 — will never decrease. If you die accidentally before age 85 your benefits will increase 5X. That means your beneficiary could receive up to $125,000.
    Plan Features
    Your acceptance is guaranteed — no medical questions asked
    If you are a Canadian resident between the ages of 40 and 75 your acceptance is guaranteed — with no medical questionnaires or exams when you apply. You cannot be turned down.
    Choice of coverage amounts
    You can choose the coverage amount that’s right for you and your budget — from $5,000 to $25,000.
    Significant savings for non-smokers
    Non-smokers enjoy up to 20% savings on their premiums compared to smokers.
    Premiums will never increase — guaranteed
    We guarantee that your premiums will not go up.
    Coverage will never decrease — guaranteed
    We guarantee that your coverage will not decrease.
    Coverage can never be cancelled.
    Your coverage can never be cancelled by us for any reason, including changes in your health, as long as your premiums are paid.
    Benefits increase 5X in case of accidental death
    If you die as the result of an accident (as defined in your policy) before age 85, your beneficiary will be eligible to receive five times your coverage amount.
    Living Benefit included — at no additional cost
    You will be eligible to receive a compassionate one-time cash advance of up to 50% of your life insurance coverage if you are diagnosed as terminally ill with 12 months or less to live.3
    Premium-free coverage after age 95
    And after you celebrate your 95th birthday, your coverage will continue without you having to pay another premium ever again
    Choice for your Beneficiary
    Your beneficiary isn’t taxed on the benefit amount. They can use the lump-sum payment towards final expenses and funeral costs, outstanding debts and loans, living expenses… The choice will be theirs.
    Protection for a lifetime
    This life insurance plan will protect you/your family for your entire lifetime, as long as your premiums are paid.
    Flexible payment options
    Choose the payment method that suits you best: Visa, MasterCard, American Express or direct monthly withdrawal from your chequing account by Pre-Authorized Debit.
    Earn AIR MILES® reward miles
    When you pay your premiums monthly by credit card or pre-authorized debit, you have the opportunity to collect AIR MILES® reward miles every year as a CoverMe Guaranteed Issue Life policyholder.
    Applying is fast and easy
    Life insurance is an essential part of any sound financial plan. Apply online in the comfort of your home, when it’s convenient for you.