Skip Header Navigation

Get a quote or apply today. Your acceptance is guaranteed.(1)

You are on: Coverage and Benefits

Leave a lasting memory or help cover final expenses with RBC® Guaranteed Acceptance Life Insurance.

If you're between the ages of 50 and 75 and a Canadian Citizen or Permanent Resident, RBC Guaranteed Acceptance Life Insurance makes it easy to leave a loved one something special to remember you by. Use it to help provide extra financial security to your spouse, to contribute towards your grandchildren's education, or to help relieve the financial burden of final expenses.

Key Features and Benefits:

  • No Medical Exam & No Health Questions. Plus, your acceptance is guaranteed if you're a Canadian Citizen or Permanent Resident/landed immigrant between age 50 and 75.(1)
  • Flexible Coverage Amounts. Buy coverage in amounts of $5,000, $10,000, $15,000, $20,000 and $25,000.
  • Benefits & Premiums Never Change. Your coverage can never be cancelled or changed by us and your premiums will never increase.(2)
  • Accidental Death Benefit. In case of death from accidental causes before age 85, your beneficiary will receive five times the Basic Coverage at any time after your coverage takes effect.(3)
  • 30 Days to Review. If you change your mind within 30 days, we will give you a full refund and cancel your policy.
 

Why RBC Insurance?

With RBC Insurance® you can feel confident that we have the strength, stability and expertise to be there when you or your loved ones need us.

We're the largest group of insurance companies owned by a bank in Canada. What's more, we’re part of RBC, one of Canada’s largest and most trusted companies and an institution whose history stretches back 150 years.

You are on: Questions?

Frequently Asked Questions

Here are answers to the most common questions asked about RBC® Guaranteed Acceptance Life Insurance.

 

Applying for Coverage

Expand - How do I apply for coverage? How do I apply for coverage?

Expand - Who is eligible for coverage? Who is eligible for coverage?

Expand - Is a medical exam required? Is a medical exam required?

Expand - Can I cancel my policy at any time? Can I cancel my policy at any time?

 

Coverage Details

Expand - Does this policy provide permanent coverage? Does this policy provide permanent coverage?

Expand - When does my coverage start and end? When does my coverage start and end?

Expand - Can I reduce or increase my coverage? Can I reduce or increase my coverage?

Expand - Can my spouse also get coverage? Can my spouse also get coverage?

Expand - What are the exclusions? What are the exclusions?

 

Premiums

Expand - Could I qualify for preferred rates? Could I qualify for preferred rates?

Expand - Are the rates guaranteed? Are the rates guaranteed?

Expand - How long will I pay premiums? How long will I pay premiums?

 

Find Out More

 
 

Call or visit us today for more information or to apply.

 

Underwritten by RBC Life Insurance Company.

The information above is intended as a summary only. Please see the additional disclosure information (opens new window) or a sample policy (opens PDF in new window) for complete terms and conditions, including benefits and exclusions.

1) Acceptance is guaranteed if you are between the ages of 50 and 75 and are a Canadian Citizen or Permanent Resident/landed immigrant who has been in Canada for more than 12 months.

2) For the first two years, coverage is limited to the premiums you've paid to date. After two years, coverage is in effect for life and will not decrease. Premium payments end at age 95, but you are covered for life. Coverage will end if you cancel your policy or do not pay your premiums as due.

3) Accidental Death Benefit is subject to the terms and conditions of the policy.

 

Get a Quote or Apply Online

After getting a quote for RBC Guaranteed Acceptance Life Insurance, you can apply online.

 
 

Contact Us

Call today to learn more or to purchase RBC Guaranteed Acceptance Life Insurance.

 
 

Find Out More

Read more about the features and benefits of this simple, yet important coverage option.