Your policy will include the following

Coverage
During the first two years, if death occurs as a result of an accident, the plan pays four times the amount of coverage purchased. For any other cause, your premium is refunded.

After 24 months, the full amount of coverage purchased is payable for death due to natural causes. If death is caused by an accident, the benefit is four times the amount of coverage.

Receive Advance Funds in the Case of Terminal Illness
In the event of an insured clients’ terminal illness with a prognosis of death within twelve months, IAP will pay an amount equal to 50% of the Guaranteed Life Insurance in force provided the insurance has been in force for at least two full years at the time of diagnosis.

Selection of Insurance
You may select insurance coverage in units of $2,500 to a maximum of $25,000.

Beneficiary
You may designate a beneficiary of your choice and your designation is revocable unless you specifically designate otherwise.

Exclusion
In the first two years of coverage no benefit will be paid if death is due to suicide, nor if non-accidental death occurs.

Select the amount of coverage you need

Rates are based on your gender, age and smoking status.

To determine the monthly cost of your policy, multiply your rate below by the number of $2,500 units you need (up to $25,000).

Monthly premium per $2,500 unit:

Age at Issue Male
Non-Smoker		 Male Smoker Female
Non-Smoker		 Female Smoker
20-29
30-34
35-39
40-44
45-49
50-54
55-59
60-64
65-69
70-74
75-79
80-85
$1.72
$1.83
$2.04
$2.59
$3.55
$5.09
$7.60
$12.02
$19.51
$31.26
$48.57
$75.36
$2.20
$2.36
$3.04
$4.53
$7.24
$11.55
$17.79
$26.61
$38.61
$54.06
$73.47
$99.82
$0.58
$0.62
$0.82
$1.16
$1.69
$2.52
$3.92
$6.36
$10.71
$18.34
$31.07
$53.55
$0.84
$0.91
$1.40
$2.26
$3.56
$5.38
$7.97
$11.77
$17.48
$26.28
$39.60
$61.69

*You can apply for non-smoker rates if you have not used any tobacco, marijuana or nicotine products for the last 24 months. Tobacco products include: cigarettes, cigars, cigarillos, pipe, snuff, chewing tobacco, nicorette gum, nicotine patches, etc.

Premiums are subject to provincial tax where applicable.