Your policy will include the following

Coverage
During the first two years, if death occurs as a result of an accident, the plan pays five times the amount of coverage purchased, plus 5% interest. For death from natural causes your premium is refunded with interest at 5% per annum compounded annually.

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 five times the amount of coverage. The amount paid will be reduced by any advance paid.

Receive Advance Funds in the Case of Terminal Illness
In the event of an insured client’s 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 prognosis.

Selection of Insurance
You may select insurance coverage in units of $2,500 to a maximum of 10 units or $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, the amount payable will be limited to the sum of premium paid without interest.

Select the amount of coverage you need

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

Monthly premium per unit of $2,500:

Age at Issue Male
Non-Smoker		 Male Smoker Female
Non-Smoker		 Female Smoker
50-51
52-53
54-55
56-57
58-59
60-61
62-63
64-65
66-67
68-69
70-71
72-73
74-75
76-77
78-79
80-81
82-83
84-85
$6.20
$6.88
$7.65
$8.55
$9.58
$10.78
$12.18
$13.80
$15.73
$17.98
$20.63
$23.78
$27.58
$32.13
$37.68
$44.55
$52.85
$63.88
$8.98
$10.03
$11.20
$12.55
$14.08
$15.80
$17.75
$20.00
$22.55
$25.48
$28.80
$32.58
$37.08
$42.28
$48.50
$56.08
$65.08
$77.00
$4.80
$5.33
$5.95
$6.68
$7.48
$8.40
$9.48
$10.70
$12.15
$13.38
$15.83
$18.13
$20.93
$24.25
$28.33
$33.33
$39.23
$46.65
$6.18
$6.85
$7.63
$8.48
$9.45
$10.53
$11.78
$13.18
$14.78
$16.63
$18.78
$21.25
$24.23
$27.70
$31.90
$37.05
$43.05
$50.50

*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.

Rates are guaranteed until each renewal date of the master policy and will be based on the original issued age of the insured. However, premium rates will be based on the attained age of the insured when a changed in smoking status is requested five years or more after coverage is issued.
Premium are subject to provincial tax where applicable.