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Our Term 100 life insurance plan provides coverage for as long as you live. Your premiums remain unchanged until you reach age 100, when they cease. You can choose a coverage amount that suits your needs, and you’re eligible to apply if you are between the ages of 18 and 85.
You are on: Benefits
You can use our Term 100 life insurance plan to help ensure that your surviving spouse and dependent children have access to the funds they need to maintain their quality of life should you pass away. Your policy can also help your heirs pay the capital gains tax on assets you leave them—for example, a cottage or vacation home.
The information above is intended as a summary only. Please see a sample policy for complete details on terms and conditions, including benefits and exclusions.
You are on: Optional Benefits
You may purchase this additional coverage for your Term 100 life insurance policy:
The information above is intended as a summary only. Please see a sample policy for complete details on rider and optional coverage terms and conditions, including benefits and exclusions.
You are on: Eligibility
You are eligible to apply for Term 100 life insurance if you are:
Note: To apply, you will most likely need to complete a medical exam and answer several health questions.
Your coverage ends on the earlier of:
Please contact us or see a sample policy for complete details.
You are on: What's Covered
If you die during the time period when coverage is in effect, your policy can provide a tax-free(1) death benefit for the amount of coverage that you purchased to your beneficiaries or your estate.
Your coverage is subject to the following exclusions:
You are on: Premiums
Your premium will depend on your age, gender, health, family history, smoking habits, the benefit coverage amount, and any additional options you choose.
If you are approved for coverage, your policy will contain a premium schedule that will show all premiums payable. Your coverage begins on approval and once payment is received. (Please contact us or see a sample policy for complete details.)
Your premiums are guaranteed to stay the same for life. As long as you continue to pay your premiums, your payments will continue at these rates, up to the policy anniversary nearest your 100th birthday. After you reach age 100, you will no longer pay premiums; however your coverage will continue until your death.
You may pay for your policy on a monthly or annual basis.
Term 100 life insurance is a simple and secure way to help protect your family. For help selecting the plan that’s right for you, contact us today:
1) Note that probate fees are applicable if you have not designated a beneficiary and the proceeds of your policy become part of your estate.
2) To qualify for a compassionate advance, you must provide written confirmation from your physician outlining your diagnosis and confirming that life expectancy is less than 24 months. Term policies are reviewed on an individual basis and policies that have an irrevocable beneficiary require release from the assignee or beneficiary.
3) The information above is intended as a summary only. Please see a sample policy for complete details on terms and conditions, including benefits and exclusions.
See how affordable a Term 100 life insurance policy can be by getting an online quote.
Talk to a licensed RBC Insurance® advisor today about protecting your family with Term 100 life insurance.
If you have a term life insurance policy nearing the end of its term, and you’re under age 71, converting to a permanent life insurance policy may be a viable and valuable option for you.