{"id":13770,"date":"2024-11-11T08:00:22","date_gmt":"2024-11-11T13:00:22","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=13770"},"modified":"2026-04-07T14:57:00","modified_gmt":"2026-04-07T18:57:00","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/","title":{"rendered":"Life insurance"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/life-insurance.webp) no-repeat;--bghero-mobi-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/life-insurance-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h1 class=\"wp-block-heading rbc-callout-heading\" id=\"h-life-insurance\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">Life<\/mark> <mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">insurance<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large has-white-color has-text-color has-link-color wp-elements-b83869ada6d89b60df78b73cf54ee233\">Protect your loved ones with dependable life insurance. Get $700,000 in life insurance coverage for just $21.43 a month<sup><a href=\"#legal-1\" data-dig-id=\"LP-13770-ad5bbd8c\" data-dig-label=\"1\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1<\/a><\/sup>.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/\" data-dig-id=\"LP-13770-e23a7d87\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a free life insurance quote-https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/ \">Get a free life insurance quote<\/a><\/div>\n\n\n\n<p class=\" call-link \"><a href=\"tel:+18662237113\" data-dig-id=\"LP-13770-c38b54ff\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Call 1-866-223-7113\" class=\"rbc-link-format\">Call 1-866-223-7113<\/a><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-block comparisonBlock  menuItems__dropdown\"><div class=\"comparisonBlock__header\"><h2>Types of life insurance<\/h2><p class=\"rbc-override-margin p-large\"><span class=\"partial__border-bottom\">We offer a range of sub-products under three types of life insurance below: term life, permanent life, and personal accident. Select your type, and explore your options<sup><a href=\"#legal-2\" data-dig-id=\"LP-14818-f5f2c625\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup>.<\/span><\/p><\/div><div class=\"comparisonBlock__content\"><div class=\"comparisonBlock__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Term life insurance\">\n\t\t\t\t\tTerm life insurance\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tTerm life insurance\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tPermanent life insurance\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tPersonal Accident Insurance\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<div class=\"comparisonBlock__menuItems\"><div class=\"comparisonBlock__menuItem\" tabindex=\"0\">Term life insurance<\/div><div class=\"comparisonBlock__menuItem\" tabindex=\"0\">Permanent life insurance<\/div><div class=\"comparisonBlock__menuItem\" tabindex=\"0\">Personal Accident Insurance<\/div><\/div><p>Need help choosing? <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/compare-life-insurance\/\" data-dig-id=\"LP-14818-aa5acafa\" data-dig-label=\"Compare products.\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Compare products.<\/a><\/p><\/div><div class=\"comparisonBlock__content-right\">\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__header\"><h3 class=\"comparisonCards__heading\">Term life insurance<\/h3><p class=\"rbc-override-margin\">A popular choice if you want affordable coverage until you meet a certain financial milestone, such as putting your kids through college or paying off your mortgage.<\/p><\/div><div class=\"comparisonCards__cards carousel-wpr\" id=\"pj7wzzk7g\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\">Term life insurance<\/h5>\n\n\n\n<p class=\"cardTag\">Most popular<\/p>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-simplified-term-life-insurance\">RBC <em>Simplified\u00ae<\/em> Term Life Insurance<\/h4>\n\n\n\n<p>Get affordable protection for all your short-term needs with a path towards lifetime coverage.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity w-100\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Coverage from $50,000 to $1,000,000 over 10-40 years<sup><a href=\"#legal-3\" data-dig-id=\"LP-13770-b53d95b6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a><\/sup><\/p>\n\n\n\n<p>Quick online application, no medical exam for eligibility may be required<\/p>\n\n\n\n<p>Includes $10,000 accidental death benefit<\/p>\n\n\n\n<p>Convert term to permanent insurance without medical proof until age 71<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/\" data-dig-id=\"LP-13770-368244f2\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/ \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/term-life-insurance\/\" data-dig-id=\"LP-13770-96a65615\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\">Term life insurance<\/h5>\n\n\n\n<p class=\"cardTag\">Most popular<\/p>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-nbsp-your-term-nbsp-life-insurance\">RBC&nbsp;<em>Your<\/em>Term\u00ae&nbsp;Life Insurance<\/h4>\n\n\n\n<p>Customize your coverage with higher coverage limits, more flexible options and additional benefits.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity w-100\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Coverage from $1,000,001 to $25,000,000 for a term anywhere between 10 to 40 years<sup><a href=\"#legal-4\" data-dig-id=\"LP-13770-8ff8db99\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"4\" class=\"rbc-link-format\">4<\/a><\/sup><\/p>\n\n\n\n<p>Future flexibility with the option to change from term life insurance to permanent life insurance in the future without medical evidence, up to age 71<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/\" data-dig-id=\"LP-13770-368244f2\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/ \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/term-life-insurance\/\" data-dig-id=\"LP-13770-fb3ef366\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_pj7wzzk7g\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__header\"><h3 class=\"comparisonCards__heading\">Permanent life insurance<\/h3><p class=\"rbc-override-margin\">If you need life insurance that can help with your estate planning needs or to transfer assets to your partner or kids, permanent life insurance offers protection beyond your working life, but usually at a higher price point.<\/p><\/div><div class=\"comparisonCards__cards carousel-wpr\" id=\"a9favpamb\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\">Permanent life insurance<\/h5>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-growth-insurance-participating-whole-life\">RBC Growth Insurance (Participating Whole Life)<\/h4>\n\n\n\n<p>Lifetime protection that also builds cash value. If you&#8217;re looking for a policy that&#8217;s guaranteed to grow and is designed to offer permanent lifetime protection this is it.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity w-100\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Coverage of $25,000 to $25,000,000 for life<\/p>\n\n\n\n<p>Available to purchase at ages 0-85<\/p>\n\n\n\n<p>Dividend Options \u2013 choose from five flexible options for receiving dividends (Paid-up Additions, Cash, Premium Reduction, Enhanced Insurance or Dividends on Deposit)<\/p>\n\n\n\n<p>World-Class Asset Management with an RBC investment team<\/p>\n\n\n\n<p>Single or Joint Coverage<\/p>\n\n\n\n<p>Access to your accumulated cash value at any time<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:1-800-461-1413\" data-dig-id=\"LP-13770-368244f2\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Call 1-800-461-1413-tel:1-800-461-1413 \">Call 1-800-461-1413<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/whole-life-insurance\/\" data-dig-id=\"LP-13770-96a65615\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\">Permanent life insurance<\/h5>\n\n\n\n<p class=\"cardTag\">Most popular<\/p>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-guaranteed-acceptance-life-insurance\">RBC Guaranteed Acceptance Life Insurance<\/h4>\n\n\n\n<p>Make sure your loved ones can reduce debt, cover final expenses and more if you\u2019re aged between 40 to 75 years old.<sup><a href=\"#legal-5\" data-dig-id=\"LP-13770-ac6d3c07\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity w-100\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Coverage from $5,000 to $40,000 for life<\/p>\n\n\n\n<p>No medical exam or health questions required, with an online application process that only takes minutes to complete<\/p>\n\n\n\n<p>Guaranteed coverage for Canadian residents aged 40 to 75 years old<\/p>\n\n\n\n<p>Accidental death benefit included<\/p>\n\n\n\n<p>Advanced death benefit may also be available<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/guaranteed-acceptance-life-insurance-quote\/index.html\" data-dig-id=\"LP-13770-4c4b52c3\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/life-insurance\/guaranteed-acceptance-life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/guaranteed-life-insurance\/\" data-dig-id=\"LP-13770-c407c337\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\">Permanent life insurance<\/h5>\n\n\n\n<p class=\"cardTag\">Most popular<\/p>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\">Term 100 Life Insurance<\/h4>\n\n\n\n<p>Help protect your family\u2019s financial future or help your loved ones pay capital gains tax on assets, like a cottage.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity w-100\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Coverage from $50,000 to $25,000,000 for life<\/p>\n\n\n\n<p>Guaranteed premiums when you buy and maintain the same coverage for the life of your policy<\/p>\n\n\n\n<p>Choose from optional coverage add-ons to further protect your family members<\/p>\n\n\n\n<p>Available for Canadian residents aged 18 to 85 years old<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:1-800-461-1413\" data-dig-id=\"LP-13770-368244f2\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Call 1-800-461-1413-tel:1-800-461-1413 \">Call 1-800-461-1413<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/term-100-life-insurance\/\" data-dig-id=\"LP-13770-96a65615\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\">Permanent life insurance<\/h5>\n\n\n\n<p class=\"cardTag\">Most popular<\/p>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\">RBC Universal Life<sup>TM<\/sup> Insurance<\/h4>\n\n\n\n<p>Get long-term protection with this flexible solution offering lifetime coverage and tax-deferred investment growth.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity w-100\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Coverage from $50,000 to $25,000,000 for life<\/p>\n\n\n\n<p>Choose how much to pay into your policy and how you want to pay your premiums<\/p>\n\n\n\n<p>Create the portfolio that is right for you with a range of investment options<\/p>\n\n\n\n<p>Available for Canadian residents aged 0 to 85 years old<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:1-800-461-1413\" data-dig-id=\"LP-13770-368244f2\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Call 1-800-461-1413-tel:1-800-461-1413 \">Call 1-800-461-1413<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/universal-life-insurance\/\" data-dig-id=\"LP-13770-96a65615\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_a9favpamb\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__header\"><h3 class=\"comparisonCards__heading\">Personal Accident Insurance<\/h3><p class=\"rbc-override-margin\">If you need insurance that can help enhance your existing coverage or support your lifestyle, personal accident insurance offers straightforward protection and guaranteed coverage if you were to pass away as a result of an accident.<\/p><\/div><div class=\"comparisonCards__cards carousel-wpr\" id=\"3jch4plpn\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<h5 class=\"wp-block-heading\">Personal Accident Insurance<\/h5>\n\n\n\n<p class=\"cardTag\">For RBC Clients<\/p>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\">Personal Accident Insurance<\/h4>\n\n\n\n<p>Supplement your existing life insurance policies, or get coverage even if you work in a high-risk occupation.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity w-100\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Coverage from $50,000 to $250,000 available<\/p>\n\n\n\n<p>Premiums as low as $4.75 per month<\/p>\n\n\n\n<p>No medical exam or health questions required, with an online application process that only takes minutes to complete<\/p>\n\n\n\n<p>Guaranteed coverage for RBC customers who are Canadian residents aged 18 to 69 years old<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"tel:+18008459750\" data-dig-id=\"LP-13770-368244f2\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Call 1-800-845-9750-tel:+18008459750 \">Call 1-800-845-9750<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.worldprotect.com\/life-insurance\/personal-accident-insurance.html\" data-dig-id=\"LP-13770-96a65615\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_3jch4plpn\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout3\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-life-insurance\">Benefits of life insurance<\/h2>\n\n\n\n<p class=\"p-large\"><span class=\"partial__border-bottom\">Planning ahead with life insurance is a reliable way to meet your financial goals with safety, certainty, and ease, backed by the knowledge that you will:<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/shield-heart.svg);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-protect-your-loved-ones\">Protect your loved ones<\/h4>\n<\/div>\n\n\n\n<p>Help safeguard the people closest to you by replacing lost income to help support your family.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/house-black.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Keep your home<\/h4>\n<\/div>\n\n\n\n<p>Let your home remain their home by paying off large expenses, like a mortgage.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/policy-icon.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-ensure-your-family-s-future-stability\">Ensure your family\u2019s future stability<\/h4>\n<\/div>\n\n\n\n<p>You can offer a more certain future for your loved ones by helping cover education costs and providing future income.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/investment.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Grow your investment<\/h4>\n<\/div>\n\n\n\n<p>Enhance your planning with tax-deferred savings, investing and borrowing opportunities.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/savings-account.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-meet-your-needs-affordably\">Meet your needs affordably<\/h4>\n<\/div>\n\n\n\n<p>Choose from a wide range of life insurance options that are designed to fit your lifestyle affordably, at every stage of your financial journey.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Advisor.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Get expert advice<\/h4>\n<\/div>\n\n\n\n<p>We\u2019re here to help\u2014no matter what question you may have, our friendly advisors are here to help you achieve your goals.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\t\t<div style=\"background-color:#EDF7FC;\" class=\"embedContent tools_calc_widget normal is-style-full-width wp-block-rbc-embed-content\">\n\t\t\t\n<div class=\"wp-block-rbc-template-selector templateSelector template__termLifev2 toolsCalculators toolsCalculators__embedded\" data-template=\"termLifev2\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group toolsCalculators__col__left is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  is-style-blue blue\" style=\"--icon-url:url(undefined)\"><span>Takes 1 minute<\/span><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-get-your-term-life-insurance-quote\">Get your term life insurance quote<\/h3>\n\n\n\n<div class=\"wp-block-group toolsCalculators__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-grey-text\"><div class=\"highlightsCard__heading\"><h5>RBC Insurance advisors are here to help<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Flexible callback schedule<\/p>\n\n\n\n<p>Personalized consultation<\/p>\n\n\n\n<p>Expert advice<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-buttons fullWidthMobile is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary fullWidthMobile before icon-customer-service modalTrigger__bookacall\" style=\"--icon-url:url('https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/themes\/rbc\/dist\/img\/icons\/icon-customer-service.svg')\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-34625-ac1e1ab6\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a free call-# \">Book a free call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group toolsCalculators__col__right toolsCalculators__steps is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"toolsCalculators__requiredMsg\">Indicates a required field.<\/p>\n\n\n\n<div class=\"wp-block-rbc-form-step-manager formStepManager formStepManagerV2\" data-form=\"userInfo\">\n<div class=\"wp-block-rbc-form-step formStep formStep__last formStep__energyLines formStep__fullWidthButtons formStep__noProceed active isEdited formStepv2\">\n<div class=\"wp-block-group formStep__titleGroup is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Tell us about yourself<\/h4>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group formStep__inputFieldGroup__col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__date isNested\" data-target=\"dob\" data-query-param=\"dob\" data-query-param-target=\"userInfo.dob\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"\" aria-label=\"\"><span class=\"inputLabel__text\">What is your date of birth?<\/span><\/label>\n\n\n\n<div class=\"wp-block-rbc-tool-tip toolTip isHelp isDismissable\" data-tooltip=\"<div class=&quot;toolTip__modal&quot;&gt;\n\t\t\t\t<div class=&quot;toolTip__content__container&quot;&gt;\n\t\t\t\t\t\n\t\t\t\t\t<p class=&quot;toolTip__content&quot;&gt;Life insurance premiums are based on the age you\u2019re closest to. If you\u2019re within six months of your next birthday, your age will be rounded up to the next year. If not, your current age will be used.<\/p&gt;\n\t\t\t\t\t\n\t\t\t\t<\/div&gt;\n\t\t\t\t<button type=&quot;button&quot; class=&quot;toolTip__close&quot; aria-label=&quot;Close&quot;&gt;<\/button&gt;\n\t\t\t<\/div&gt;\"><div class=\"toolTip__container\"><p class=\"toolTip__prefix\"><\/p><\/div><button type=\"button\" class=\"toolTip__icon\" aria-label=\"Learn more\"><\/button><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-date inputDate hasAgeCheck\" id=\"dob\" data-min-age=\"18\" data-max-age=\"70\">\n<div class=\"wp-block-group inputDate__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__month\" data-target=\"dob-mm\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"dob-mm\" aria-label=\"Month\"><span class=\"inputLabel__text\">Month<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default wp-block-rbc-select-control selectDropdown__floating selectDropdown__month\" id=\"dob-mm\"\t\t\tdata-option_name=\"dob-mm\" style=\"width:280px\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Select\">\n\t\t\t\t\tSelect\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"01\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tJanuary\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"02\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tFebruary\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"03\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tMarch\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"04\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tApril\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"05\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tMay\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"06\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tJune\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"07\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tJuly\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"08\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tAugust\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"09\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tSeptember\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"10\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tOctober\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"11\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNovember\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"12\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tDecember\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"dob-mm\" value=\"\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__day\" data-target=\"dob-dd\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"dob-dd\" aria-label=\"Day\"><span class=\"inputLabel__text\">Day<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox number left\"><div class=\"input-textbox-wrapper \"><input type=\"number\" placeholder=\"DD\" id=\"dob-dd\" class=\"input-textbox-input textbox-class\" name=\"dob-dd\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__year\" data-target=\"dob-yyyy\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"dob-yyyy\" aria-label=\"Year\"><span class=\"inputLabel__text\">Year<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox number left\"><div class=\"input-textbox-wrapper \"><input type=\"number\" placeholder=\"YYYY\" id=\"dob-yyyy\" class=\"input-textbox-input textbox-class\" name=\"dob-yyyy\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__eligibility\">Based on your age, you are not eligible for this product. Please check our other options<\/span><input type=\"hidden\" name=\"dob\" value=\"\"\/><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field cannot be blank<\/span><span class=\"inputField__error inputField__error__invalid\">Please provide valid input<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired\" data-target=\"province\" data-query-param=\"province\" data-query-param-target=\"userInfo.province\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"province\" aria-label=\"Province\"><span class=\"inputLabel__text\">Where do you live?<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default wp-block-rbc-select-control selectDropdown__floating selectDropdown__provinces\" id=\"province\"\t\t\tdata-option_name=\"province\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Select one\">\n\t\t\t\t\tSelect one\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"AB\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tAlberta\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"BC\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tBritish Columbia\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"MB\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tManitoba\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"NB\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNew Brunswick\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"NL\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNewfoundland and Labrador\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"NT\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNorthwest Territories\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"NS\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNova Scotia\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"NU\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNunavut\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"ON\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tOntario\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"PE\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tPrince Edward Island\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"QC\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tQuebec\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"SK\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tSaskatchewan\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"YT\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tYukon\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"province\" value=\"\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field cannot be blank<\/span><span class=\"inputField__error inputField__error__invalid\">Please provide valid input<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired\" data-target=\"gender\" data-query-param=\"gender\" data-query-param-target=\"userInfo.gender\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"gender\" aria-label=\"Gender\"><span class=\"inputLabel__text\">What is your gender?<\/span><\/label>\n\n\n\n<div class=\"wp-block-rbc-tool-tip toolTip isHelp isDismissable\" data-tooltip=\"<div class=&quot;toolTip__modal&quot;&gt;\n\t\t\t\t<div class=&quot;toolTip__content__container&quot;&gt;\n\t\t\t\t\t\n\t\t\t\t\t<p class=&quot;toolTip__content&quot;&gt;For the purpose of this quote, please select the sex you were assigned at birth. We understand this may not reflect your preferred gender identity.<\/p&gt;\n\t\t\t\t\t\n\t\t\t\t<\/div&gt;\n\t\t\t\t<button type=&quot;button&quot; class=&quot;toolTip__close&quot; aria-label=&quot;Close&quot;&gt;<\/button&gt;\n\t\t\t<\/div&gt;\"><div class=\"toolTip__container\"><p class=\"toolTip__prefix\"><\/p><\/div><button type=\"button\" class=\"toolTip__icon\" aria-label=\"Learn more\"><\/button><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-radio-group inputRadioGroup inputRadioGroup__default\">\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__gender__male\" class=\"buttonRadio__input\" type=\"radio\" value=\"male\" name=\"gender\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">Male<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__gender__female\" class=\"buttonRadio__input\" type=\"radio\" value=\"female\" name=\"gender\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">Female<\/span><\/label><\/div>\n<\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field cannot be blank<\/span><span class=\"inputField__error inputField__error__invalid\">Please provide valid input<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired\" data-target=\"smoker\" data-query-param=\"smoker\" data-query-param-target=\"userInfo.smoker\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"smoker\" aria-label=\"Smoker\"><span class=\"inputLabel__text\">Have you used any of the following in the past 12 months?<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group inputField__hasExtraInfo is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-grey-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Any form of Tobacco, other than one large cigar per month;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Betel nut leaves, more than once per month; or<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>E-cigarettes, vaping products, water-pipe, nicotine products or smoking cessation products ?<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-radio-group inputRadioGroup inputRadioGroup__default\">\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__smoker__y\" class=\"buttonRadio__input\" type=\"radio\" value=\"y\" name=\"smoker\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">Yes<\/span><\/label><\/div>\n\n\n\n<div class=\"wp-block-rbc-button-radio buttonRadio\"><label class=\"buttonRadio__label\"><input id=\"buttonRadio__smoker__n\" class=\"buttonRadio__input\" type=\"radio\" value=\"n\" name=\"smoker\"\/><span class=\"buttonRadio__customRadio\"><span class=\"buttonRadio__dot\"><\/span><\/span><span class=\"buttonRadio__text\">No<\/span><\/label><\/div>\n<\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field cannot be blank<\/span><span class=\"inputField__error inputField__error__invalid\">Please provide valid input<\/span><\/div>\n<\/div>\n<\/div>\n<div class=\"formStep__navigation\"><div class=\"wp-block-button btn is-style-primary primary isNext\" data-links-to=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Get your quote\">Get your quote<\/button><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-modal-popup\"><button class=\"rbci-modal-popup__trigger modalTrigger__bookacall\" type=\"button\">Open Modal<\/button><div class=\"rbci-modal-popup__overlay modalTrigger__bookacall hide\"><div class=\"rbci-modal-popup__content\"><button class=\"rbci-modal-popup__close\" type=\"button\">\u00d7<\/button>\n<div class=\"wp-block-rbc-form-step-manager formStepManager\" data-form=\"bac\">\n<div class=\"wp-block-rbc-form-step formStep formStep__last  active isEdited bookaCall\">\n<div class=\"wp-block-group formStep__titleGroup is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image aligncenter size-large bookaCallImage\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/03\/advisors-img_f91724.svg?quality=80&amp;w=1024\" alt=\"Life insurance advisors\" class=\"wp-image-34640\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center bookaCallTitle\">Book a call with an advisor<\/h3>\n\n\n\n<p class=\"has-text-align-center bookaCallDescription\">Review your quote with our licensed RBC advisors to get expert advice on the most suitable coverage based your needs.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired\" data-target=\"booktime\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"booktime\" aria-label=\"Book time to call\"><span class=\"inputLabel__text\">Best time to call<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default bookaCallSelect selectDropdown__floating selectDropdown__custom\" id=\"booktime\"\t\t\tdata-option_name=\"booktime\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Select an option\">\n\t\t\t\t\tSelect an option\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"9am-10am\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\t9am &#8211; 10am\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"10am-11am\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\t10am &#8211; 11am\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"11am-12pm\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\t11am &#8211; 12pm\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"No preference\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tNo preference\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"booktime\" value=\"\" \/>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">Please choose one of the options<\/span><span class=\"inputField__error inputField__error__invalid\">Please choose one of the options<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__postalcode\" data-target=\"postalcode\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacallpostalcode\" aria-label=\"Postal code\"><span class=\"inputLabel__text\">Postal code<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"bookacallpostalcode\" class=\"input-textbox-input textbox-class\" name=\"postalcode\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Invalid postal code<\/span><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__name\" data-target=\"bookacallfirstname\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacallfirstname\" aria-label=\"First name\"><span class=\"inputLabel__text\">First name<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"bookacallfirstname\" class=\"input-textbox-input textbox-class\" name=\"bookacallfirstname\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Invalid first name<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__name\" data-target=\"bookacalllastname\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacalllastname\" aria-label=\"Last name\"><span class=\"inputLabel__text\">Last name<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox text left\"><div class=\"input-textbox-wrapper \"><input type=\"text\" placeholder=\"\" id=\"bookacalllastname\" class=\"input-textbox-input textbox-class\" name=\"bookacalllastname\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Invalid last name<\/span><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group formStep__inputFieldGroup__row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-field inputField inputField__isRequired  inputField__phone\" data-target=\"phone\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacallphonenumber\" aria-label=\"Phone number\"><span class=\"inputLabel__text\">Phone number<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox tel left\"><div class=\"input-textbox-wrapper  input-textbox-indent\"><span class=\"input-textbox-prefix\">+1<\/span><input type=\"tel\" autocomplete=\"tel-national\" pattern=\"[0-9-]*\" placeholder=\"\" id=\"bookacallphonenumber\" class=\"input-textbox-input textbox-class\" name=\"phone\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<span class=\"inputField__error inputField__error__empty\">This field can&#8217;t be empty<\/span><span class=\"inputField__error inputField__error__invalid\">Invalid phone number<\/span><\/div>\n\n\n\n<div class=\"wp-block-rbc-input-field inputField  inputField__email\" data-target=\"bookacallemail\">\n<div class=\"wp-block-group inputField__label is-layout-flow wp-block-group-is-layout-flow\">\n<label class=\"wp-block-rbc-input-label inputLabel inputLabel__default\" for=\"bookacallemail\" aria-label=\"Email\"><span class=\"inputLabel__text\">Email<\/span><\/label>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-input-textbox input-textbox email left\"><div class=\"input-textbox-wrapper \"><input type=\"email\" placeholder=\"\" id=\"bookacallemail\" class=\"input-textbox-input textbox-class\" name=\"bookacallemail\" value=\"\" style=\"width:100%;height:48px;min-height:48px\"\/><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"formStep__navigation\"><div class=\"wp-block-button btn is-style-primary primary isNext\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Book a call\">Book a call<\/button><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-form-step formStep  bookaCallSuccess\">\n<div class=\"wp-block-group formStep__titleGroup is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-image aligncenter size-large bookaCallSuccessImg\"><img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/checkmark-icon.svg?quality=80&amp;w=1024\" alt=\"\" class=\"wp-image-30175\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center bookaCallName\">Your call has been scheduled, <span class=\"placeholder__dynamic\">{bac.bookacallfirstname}<\/span>!<\/h3>\n\n\n\n<p class=\"has-text-align-center bookaCallPhone\">A licensed RBC advisor will call you at <span class=\"placeholder__dynamic\">{bac.phone}<\/span> in 2 business days.<\/p>\n\n\n\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  bookaCallTimeSchedule is-style-blue blue\" style=\"--icon-url:url(undefined)\"><span><span class=\"placeholder__dynamic\">{bac.booktime}<\/span><\/span><\/div><\/div>\n<\/div>\n<div class=\"formStep__navigation\"><div class=\"wp-block-button btn tertiary is-style-tertiary isPrev\"><button type=\"button\" class=\"wp-block-button__link wp-element-button\" aria-label=\"Back\">Back<\/button><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div><\/div>\n<\/div>\n\t\t<\/div>\n\t\t\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout2\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-life-insurance-tools-and-resources\"><span class=\"partial__border-bottom\">Life insurance tools and resources<\/span><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Calculate how much life insurance you need<\/h4>\n<\/div>\n\n\n\n<p>Start planning for the future by understanding how much life insurance coverage could support your goals.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html\" data-dig-id=\"LP-13770-47465a22\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Calculate now-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html \">Calculate now<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/calculator.svg?quality=80&amp;w=1024\" alt=\"Calculator\" class=\"wp-image-16488\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\">Compare your life insurance options<\/h4>\n<\/div>\n\n\n\n<p>There\u2019s a life insurance plan to suit your unique situation\u2014let\u2019s help you find it.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/compare-life-insurance\/\" data-dig-id=\"LP-13770-56db44cd\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Compare now-https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/compare-life-insurance\/ \">Compare now<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"201\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/insurance-claim.webp?quality=80&amp;w=200\" alt=\"Insurance claim\" class=\"wp-image-15967\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/insurance-claim.webp 200w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/insurance-claim.webp?resize=150,150 150w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  isHighlighted\" style=\"--icon-url:url(undefined);background-color:#006AC3\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-get-professional-life-insurance-advice\">Get professional life insurance advice<\/h4>\n<\/div>\n\n\n\n<p>Get trusted guidance from a licensed advisor who will help you make the best choice.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-13770-edfec624\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/10\/life-insurance-advisor.svg?quality=80&amp;w=1024\" alt=\"Insurance advisor\" class=\"wp-image-16487\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-get-support-with-your-life-insurance-needs\">Get support with your life insurance needs<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Speak with an RBC Insurance advisor about buying life insurance or get a life insurance quote online.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/\" data-dig-id=\"LP-13770-ac6eb4e9\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a life insurance quote-https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/ \">Get a life insurance quote<\/a><\/div>\n\n\n\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-13770-dc07f6f8\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Need help now? <a href=\"tel:+18662237113\" data-dig-id=\"LP-13770-20d1e843\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Call 1-866-223-7113\" class=\"rbc-link-format\">Call 1-866-223-7113<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp\" alt=\"A father and son protected by life insurance\" class=\"wp-image-18133\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp 606w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp?resize=300,284 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp?resize=420,397 420w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq-wrapper faqWrapper  menuItems__dropdown\"><div class=\"faqWrapper__header\"><h2><span class=\"partial__border-bottom\">Frequently asked questions<\/span> about life insurance<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t\t<div class=\"selectDropdown__container\">\n\t\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Understanding life insurance\">\n\t\t\t\t\tUnderstanding life insurance\t\t\t\t<\/span>\n\t\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t\t<\/button>\n\t\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tUnderstanding life insurance\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tDetermining your needs\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tCosts and purchasing process\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<li\n\t\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\t\tdata-option_value=\"3\"\n\t\t\t\t\t\trole=\"option\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t\tClaims and benefits\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t<\/div>\t\n<\/div>\n<div class=\"faqWrapper__menuItems\"><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Understanding life insurance<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Determining your needs<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Costs and purchasing process<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Claims and benefits<\/div><\/div><p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-13770-36b82996\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Contact us.\" class=\"rbc-link-format\">Contact us.<\/a><\/p><\/div><div class=\"faqWrapper__content-right\">\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Understanding life insurance<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlesfrdcl77\" class=\"collapse-toggle collapsed\" data-target=\"#accordionsfrdcl77\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-sfrdcl77\" aria-controls=\"accordionsfrdcl77\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionsfrdcl77\" role=\"region\" aria-labelledby=\"accordion-titlesfrdcl77\"><div class=\"collapse-inner\">\n<p>Simply put, life insurance is a legal agreement or a policy between you (the insured) and an insurance company (the insurer). When you purchase a certain amount of life insurance (let\u2019s say a $200,000 policy) and remain in good standing on your policy, the insurer promises to pay that $200,000 to your beneficiaries, who are the people you choose to receive this money (the death benefit) if you pass away.<br><br>It\u2019s also important to note that life insurance can be very affordable, no matter how much money you make. That $200,000 policy might be as low as $20 a month for a 30-year-old woman who doesn\u2019t smoke with coverage for the next 20 years.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title8n39zabb\" class=\"collapse-toggle collapsed\" data-target=\"#accordion8n39zabb\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-8n39zabb\" aria-controls=\"accordion8n39zabb\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How does life insurance work?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How does life insurance work?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion8n39zabb\" role=\"region\" aria-labelledby=\"accordion-title8n39zabb\"><div class=\"collapse-inner\">\n<p>In general, most life insurance policies work the same way: in exchange for a fee that you typically pay monthly or annually (your insurance premium), an insurance company provides a certain amount of coverage on your life and will provide a tax-free benefit to your beneficiaries if you pass away while you have coverage. Learn more about <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/how-does-life-insurance-work\/\" data-dig-id=\"LP-13770-e63026d7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"how life insurance works\" class=\"rbc-link-format\">how life insurance works<\/a>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title5jtnicbh\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5jtnicbh\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-5jtnicbh\" aria-controls=\"accordion5jtnicbh\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What are some of the limitations of life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What are some of the limitations of life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5jtnicbh\" role=\"region\" aria-labelledby=\"accordion-title5jtnicbh\"><div class=\"collapse-inner\">\n<p>Life insurance is there to protect your loved ones under most circumstances, but there are a few considerations to be aware of. The death benefit will not be paid if the life insured commits suicide within 2 years from the coverage date or from any reinstatement date. The death benefit will also not be paid if the policy is declared null and void due to material omission, misrepresentation, or fraud. Being honest and truthful on your application is of the utmost importance to ensuring your benefit will support your loved ones.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlexz0rzi85\" class=\"collapse-toggle collapsed\" data-target=\"#accordionxz0rzi85\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-xz0rzi85\" aria-controls=\"accordionxz0rzi85\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What are the two main types of life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What are the two main types of life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionxz0rzi85\" role=\"region\" aria-labelledby=\"accordion-titlexz0rzi85\"><div class=\"collapse-inner\">\n<p>Life insurance comes in many forms, but all coverage essentially falls under two main buckets: term life insurance and permanent life insurance. Within those buckets, you have flexible options to help you get the specific coverage you need.<br><br><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/term-life-insurance\/\" data-dig-id=\"LP-13770-b061a3cb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Term life insurance\" class=\"rbc-link-format\">Term life insurance<\/a> is the most affordable and is intended to cover short-term needs between 10 to 40 years. The majority of Canadians find that term life insurance is the suitable option for their needs. Many people choose to buy term life insurance when their kids are young and they\u2019re carrying debt, such as a mortgage. It costs less than permanent insurance, has consistent premiums for the length of your chosen term, and is usually easy to buy. For example, you may not have to take a medical exam if you\u2019re young and healthy, and could even be eligible for an instant approval. After your chosen term length, the premiums increase year over year until age 100, when it is considered paid up.<br><br>Permanent life insurance typically comes at a higher cost \u2014 however, the reason for this is that it provides coverage for your entire life and, in some cases, the opportunity to grow wealth and build savings. <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/term-100-life-insurance\/\" data-dig-id=\"LP-13770-1481c9a4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Term 100\" class=\"rbc-link-format\">Term 100<\/a>, <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/universal-life-insurance\/\" data-dig-id=\"LP-13770-ee485cd1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Universal\" class=\"rbc-link-format\">Universal<\/a> and <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/whole-life-insurance\/ \" data-dig-id=\"LP-13770-4825c7d3\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Whole Life Insurance\" class=\"rbc-link-format\">Whole Life Insurance<\/a> are all different types of permanent coverage.<br>Universal and Whole Life options have the added benefit of combining lifelong insurance coverage with savings opportunities within your policy (called cash value or accumulation value). One of the perks of a cash value policy is that you may be able to access the cash value to supplement your retirement income, help your kids pay for post-secondary education and more.<\/p>\n\n\n\n<p>To learn more about term and permanent life insurance, as well as specialty products, check out <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/types-of-life-insurance\/\" data-dig-id=\"LP-13770-721691f9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"The Types of Life Insurance Explained\" class=\"rbc-link-format\">The Types of Life Insurance Explained<\/a>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleggn6nuoo\" class=\"collapse-toggle collapsed\" data-target=\"#accordionggn6nuoo\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-ggn6nuoo\" aria-controls=\"accordionggn6nuoo\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What can life insurance provide me?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What can life insurance provide me?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionggn6nuoo\" role=\"region\" aria-labelledby=\"accordion-titleggn6nuoo\"><div class=\"collapse-inner\">\n<p>Life Insurance helps provide financial protection for your loved ones should you pass away.<\/p>\n\n\n\n<p>A life insurance policy pays a guaranteed lump sum amount of money to your loved ones (beneficiaries) when they need it most after you pass.<\/p>\n\n\n\n<p><\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleibd7upr3\" class=\"collapse-toggle collapsed\" data-target=\"#accordionibd7upr3\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-ibd7upr3\" aria-controls=\"accordionibd7upr3\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"If I pass away, what do my loved ones do with the lump sum of money?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If I pass away, what do my loved ones do with the lump sum of money?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionibd7upr3\" role=\"region\" aria-labelledby=\"accordion-titleibd7upr3\"><div class=\"collapse-inner\">\n<p>The lump sum amount of money from a Life Insurance policy can be used to help:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Replace lost income for your family<\/li>\n\n\n\n<li>Cover or pay off living expenses like mortgage or rent<\/li>\n\n\n\n<li>Provide for your child\u2019s care<\/li>\n\n\n\n<li>Pay off debts you may leave behind<\/li>\n\n\n\n<li>Fund your children\u2019s education<\/li>\n\n\n\n<li>Create a tax-free inheritance<\/li>\n\n\n\n<li>Cover funeral and other final expenses<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Determining your needs<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlendphmxe5\" class=\"collapse-toggle collapsed\" data-target=\"#accordionndphmxe5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-ndphmxe5\" aria-controls=\"accordionndphmxe5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do I need life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do I need life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionndphmxe5\" role=\"region\" aria-labelledby=\"accordion-titlendphmxe5\"><div class=\"collapse-inner\">\n<div class=\"wp-block-group is-style-inline-blocks mar-b-qtr is-layout-flow wp-block-group-is-layout-flow\">\n<p>While there are many reasons to get life insurance, the main reason people buy it is to make sure that their family won\u2019t struggle financially if they pass away. That means if you have someone who counts on you for financial support, life insurance is a must-have.<\/p>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>If you can check off one of the boxes below, you probably need life insurance:<\/p>\n\n\n\n<div class=\"wp-block-group is-style-inline-blocks mar-b-qtr is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>While there are many reasons to get life insurance, the main reason people buy it is to make sure that their family won\u2019t struggle financially if they pass away. That means if you have someone who counts on you for financial support, life insurance is a must-have.<\/li>\n\n\n\n<li>If you can check off one of the boxes below, you probably need life insurance:<\/li>\n\n\n\n<li>We\u2019re having a baby!<\/li>\n\n\n\n<li>I have kids (or others who depend on me)<\/li>\n\n\n\n<li>My spouse\/partner and I share finances and responsibilities<\/li>\n\n\n\n<li>I have a mortgage, car loan, student loans, etc. that my spouse\/partner couldn\u2019t afford without me<\/li>\n\n\n\n<li>I want to leave some money to help my family pay for my funeral<\/li>\n\n\n\n<li>I want to be able to leave something to my favourite charity<\/li>\n\n\n\n<li>I want to leave my family a cottage or other assets when I pass, and I want to ensure there is no tax liability for them when I do<\/li>\n\n\n\n<li>I run a business and need to protect some of the key employees<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title6iaa3hoe\" class=\"collapse-toggle collapsed\" data-target=\"#accordion6iaa3hoe\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-6iaa3hoe\" aria-controls=\"accordion6iaa3hoe\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I\u2019m young, single and don\u2019t have kids. I don\u2019t need life insurance, right?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I\u2019m young, single and don\u2019t have kids. I don\u2019t need life insurance, right?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion6iaa3hoe\" role=\"region\" aria-labelledby=\"accordion-title6iaa3hoe\"><div class=\"collapse-inner\">\n<p>That depends. There can be benefits to getting coverage now while you\u2019re young and unattached. Check out <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/reasons-to-get-life-insurance\/\" data-dig-id=\"LP-13770-de85b4dc\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Reasons to Get Life Insurance At Any Age\" class=\"rbc-link-format\">Reasons to Get Life Insurance At Any Age<\/a>.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlemhljkhjm\" class=\"collapse-toggle collapsed\" data-target=\"#accordionmhljkhjm\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-mhljkhjm\" aria-controls=\"accordionmhljkhjm\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much life insurance do I need?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much life insurance do I need?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionmhljkhjm\" role=\"region\" aria-labelledby=\"accordion-titlemhljkhjm\"><div class=\"collapse-inner\">\n<p>The answer to this question is unique for everyone, however, you probably need more life insurance than you think. How much you earn, your debt obligations, how many dependents you have and other factors should all be considered as you choose what\u2019s right for your needs.<\/p>\n\n\n\n<p>Try our <a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html\" data-dig-id=\"LP-13770-00bc3765\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"life insurance calculator\" class=\"rbc-link-format\">life insurance calculator<\/a> to get a quick estimate or learn more about the factors that can affect how much life insurance you need.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlebkj3da7i\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbkj3da7i\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-bkj3da7i\" aria-controls=\"accordionbkj3da7i\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I get life insurance for my business?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I get life insurance for my business?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbkj3da7i\" role=\"region\" aria-labelledby=\"accordion-titlebkj3da7i\"><div class=\"collapse-inner\">\n<p>We\u2019d recommend you talk to your account manager or your business advisor. We can explain the options available to you so that you can determine a plan that suits your business needs. Life and disability insurance protections for individuals in your business may be an important tool to include in your financial plan. Additionally, options like our <a href=\"https:\/\/www.rbcroyalbank.com\/business\/loans\/business-loan-insurance.html\" data-dig-id=\"LP-13770-95917f46\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Business Loan Insurance Plan\" class=\"rbc-link-format\">Business Loan Insurance Plan<\/a> may contribute to how you plan for the financial security of your business.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleg34ail8n\" class=\"collapse-toggle collapsed\" data-target=\"#accordiong34ail8n\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-g34ail8n\" aria-controls=\"accordiong34ail8n\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the difference between term and permanent insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the difference between term and permanent insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordiong34ail8n\" role=\"region\" aria-labelledby=\"accordion-titleg34ail8n\"><div class=\"collapse-inner\">\n<p>Life insurance coverage falls into two broad categories: term and permanent.<\/p>\n\n\n\n<p>Term life insurance provides coverage for a specific number of years and is renewable after the initial term is up, if needed. It is customized to cover short term needs like debts, loans and\/or income replacement until your child becomes independent. Term Life Insurance is the most affordable type of life insurance.<\/p>\n\n\n\n<p>Permanent life insurance is designed to cover long term needs such as income to support a disabled dependant, funeral expenses or estate planning.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title09hb8x7a\" class=\"collapse-toggle collapsed\" data-target=\"#accordion09hb8x7a\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-09hb8x7a\" aria-controls=\"accordion09hb8x7a\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When is the best time I should consider life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When is the best time I should consider life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion09hb8x7a\" role=\"region\" aria-labelledby=\"accordion-title09hb8x7a\"><div class=\"collapse-inner\">\n<p>You may want to consider life insurance if you have people who depend on you financially or have debt that will be left for your loved ones.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlef43v1a88\" class=\"collapse-toggle collapsed\" data-target=\"#accordionf43v1a88\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-f43v1a88\" aria-controls=\"accordionf43v1a88\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can I tell whether I need it now or not?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can I tell whether I need it now or not?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionf43v1a88\" role=\"region\" aria-labelledby=\"accordion-titlef43v1a88\"><div class=\"collapse-inner\">\n<p>You would likely need life insurance if you:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Are expecting or have kids or dependants<\/li>\n\n\n\n<li>Share financial responsibilities with your spouse or partner<\/li>\n\n\n\n<li>Have debts, such as a mortgage or car loans<\/li>\n\n\n\n<li>Don\u2019t have enough savings to cover funeral and final expenses<\/li>\n\n\n\n<li>Want to leave an inheritance to your loved ones<\/li>\n<\/ul>\n\n\n\n<p>You probably don\u2019t need life insurance if you:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Are single and have no kids or dependents; and<\/li>\n\n\n\n<li>Don\u2019t have debts; and<\/li>\n\n\n\n<li>Have enough savings to cover funeral and final expenses<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleykf5pqgu\" class=\"collapse-toggle collapsed\" data-target=\"#accordionykf5pqgu\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-ykf5pqgu\" aria-controls=\"accordionykf5pqgu\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the right amount of life insurance coverage that I should get?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the right amount of life insurance coverage that I should get?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionykf5pqgu\" role=\"region\" aria-labelledby=\"accordion-titleykf5pqgu\"><div class=\"collapse-inner\">\n<p>Life insurance is not a one size fits all approach. The amount of coverage you need will depend on your existing assets, your debts and bills, and if you have anyone financially dependent on you.<\/p>\n\n\n\n<p>If your budget doesn\u2019t allow for you to obtain the total amount of coverage recommended \u2013 some is better than nothing. You can revisit adding more as your life and budget changes.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlemcrhqg3k\" class=\"collapse-toggle collapsed\" data-target=\"#accordionmcrhqg3k\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-mcrhqg3k\" aria-controls=\"accordionmcrhqg3k\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is my life insurance through my employer enough?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is my life insurance through my employer enough?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionmcrhqg3k\" role=\"region\" aria-labelledby=\"accordion-titlemcrhqg3k\"><div class=\"collapse-inner\">\n<p>If you have life insurance through your employer, you may not be sufficiently covered because it\u2019s only valid during your employment and generally only covers a small amount of lost income \u2013 often only one or two times your salary.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Costs and purchasing process<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title0m511keo\" class=\"collapse-toggle collapsed\" data-target=\"#accordion0m511keo\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-0m511keo\" aria-controls=\"accordion0m511keo\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much does life insurance cost?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much does life insurance cost?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion0m511keo\" role=\"region\" aria-labelledby=\"accordion-title0m511keo\"><div class=\"collapse-inner\">\n<p>That depends on your needs. If you\u2019re considering term life insurance, you can get a cost estimate pretty quickly with a <a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" data-dig-id=\"LP-13770-904a09f9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"life insurance quote\" class=\"rbc-link-format\">life insurance quote<\/a>. Your premiums may be different from another person\u2019s premiums\u2014that\u2019s because premiums are based on many things, including risk factors that are unique to you. Check out <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/general-insurance\/how-to-fit-life-insurance-into-your-budget\/\" data-dig-id=\"LP-13770-423af34b\" data-dig-label=\"I Need To Adjust My Budget, How Can I Get Insurance To Fit?\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">I Need To Adjust My Budget, How Can I Get Insurance To Fit?<\/a><\/p>\n\n\n\n<p>In general, here\u2019s what will figure into your cost:<\/p>\n\n\n\n<p><strong>The type of insurance you choose<\/strong><\/p>\n\n\n\n<p>Term life insurance is intended to cover short-term needs and is more affordable than a permanent life insurance policy that offers lifetime coverage, such as Universal or Whole Life insurance. Some permanent life insurance policies may also have an investment component and legacy-building benefits. See <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/types-of-life-insurance\/\" data-dig-id=\"LP-13770-8033dc76\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Types of Life Insurance Explained\" class=\"rbc-link-format\">Types of Life Insurance Explained<\/a> or check out <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/general-insurance\/can-i-personalize-my-insurance\/\" data-dig-id=\"LP-13770-2d1bc6d8\" data-dig-label=\"Can I Personalize My Insurance?\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Can I Personalize My Insurance?<\/a><\/p>\n\n\n\n<p><strong>How much coverage you buy<\/strong><\/p>\n\n\n\n<p>A million-dollar policy is going to cost you more than a $250,000 policy (for the same term length).<\/p>\n\n\n\n<p><strong>Your age, health and gender<\/strong><\/p>\n\n\n\n<p>The younger and healthier you are when you buy life insurance, the less it will cost. And men typically pay more than women do based on life expectancy.<\/p>\n\n\n\n<p>As an example, a 35-year-old female non-smoker can expect to pay around $19.85 per month for a 20-year term life insurance policy worth $350,000, while a 35-year old male non-smoker can expect to pay around $25.78 per month for the same policy.<\/p>\n\n\n\n<p><strong>Your lifestyle<\/strong><\/p>\n\n\n\n<p>If you drink alcohol or consume marijuana frequently, or enjoy more extreme activities like scuba diving or rock climbing, you will be required to disclose more information and, depending on the specifics, you may pay higher premiums. And, if you smoke or use tobacco products, you will almost certainly pay more for your policy.<\/p>\n\n\n\n<p><strong>Family medical history<\/strong><\/p>\n\n\n\n<p>If cancer, diabetes or other medical conditions run in your family, this could increase your rates.<\/p>\n\n\n\n<p>Get a <a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" data-dig-id=\"LP-13770-dd3ea8cd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"quick life insurance quote\" class=\"rbc-link-format\">quick life insurance quote<\/a> now to see what a life insurance policy might look like, based on your needs.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlevk0l01so\" class=\"collapse-toggle collapsed\" data-target=\"#accordionvk0l01so\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-vk0l01so\" aria-controls=\"accordionvk0l01so\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I buy life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I buy life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionvk0l01so\" role=\"region\" aria-labelledby=\"accordion-titlevk0l01so\"><div class=\"collapse-inner\">\n<p>The first thing you should know is that some types of life insurance are simpler to buy than others. Depending on the type of coverage you want and how much you\u2019re applying for, your application may need to go through underwriting.<sup><a href=\"#legal-6\" data-dig-id=\"LP-13770-98ca212f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"6\" class=\"rbc-link-format\">6<\/a><\/sup> This is the process an insurer goes through to evaluate the risk associated with insuring you.<\/p>\n\n\n\n<p>Before we get into underwriting though, here are the routes you can take once you\u2019re ready to buy:<\/p>\n\n\n\n<p><strong>Buying coverage online<\/strong><\/p>\n\n\n\n<p>If your needs are fairly straightforward, you may be able to get a quote and buy your coverage online. At RBC Insurance, we offer a few online options:<\/p>\n\n\n\n<ul class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li><strong>Term life insurance:<\/strong> Depending on your age, health, the amount of coverage you are applying for and if you\u2019re a Canadian citizen or permanent resident\/landed immigrant, you may be able to request a <a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" data-dig-id=\"LP-13770-8c4df41b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"quote and get an instant decision online\" class=\"rbc-link-format\">quote and get an instant decision online<\/a><sup><a href=\"#legal-6\" data-dig-id=\"LP-13770-0fef6836\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"6\" class=\"rbc-link-format\">6<\/a><\/sup>. If you don\u2019t receive an instant decision, you may need to complete a phone interview. It\u2019s also possible that a paramedical nurse will need to visit you to take your vitals.<\/li>\n\n\n\n<li><strong>Personal accident insurance:<\/strong> If you\u2019re already an RBC<sup>\u00ae<\/sup> client, age 18 to 69, and a Canadian resident, you can buy personal accident insurance online. In fact, your acceptance is guaranteed. <a href=\"https:\/\/www.worldprotect.com\/life-insurance\/personal-accident-insurance.html\" target=\"_blank\" rel=\"noreferrer noopener\">Learn more<\/a> or <a href=\"https:\/\/online.worldprotect.com\/cgi-bin\/personal-accident-insurance\/en\/index.cgi\" target=\"_blank\" rel=\"noreferrer noopener\">enrol now<\/a><sup><a href=\"#legal-7\" data-dig-id=\"LP-13770-1c09afec\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"7\" class=\"rbc-link-format\">7<\/a><\/sup>.<\/li>\n\n\n\n<li><strong>RBC Guaranteed Acceptance Life Insurance:<\/strong> If you\u2019re a Canadian citizen or permanent resident\/landed immigrant and age 40 to 75, you can buy up to $40,000 of life insurance. There\u2019s no medical exam or health questions to answer. <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/guaranteed-life-insurance\/\">Learn more<\/a> or <a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/guaranteed-acceptance-life-insurance-quote\/index.html\">get my quote<\/a><sup><a href=\"#legal-8\" data-dig-id=\"LP-13770-922c48f2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"8\" class=\"rbc-link-format\">8<\/a><\/sup>.<\/li>\n<\/ul>\n\n\n\n<p><strong>Buying coverage through an advisor<\/strong><\/p>\n\n\n\n<p>Many Canadians buy life insurance with the help of an insurance advisor. At RBC Insurance, our friendly advisors can provide advice to help you make the best decision for you and your family, and help you complete your application with ease. You can call one of our advisors at 1-800-461-1413 or <a href=\"https:\/\/services.rbcinsurance.com\/StoreAdvisorLocator\/\" target=\"_blank\" rel=\"noreferrer noopener\">search for one<\/a> near you. Find a checklist to help you prepare at <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/general-insurance\/can-i-personalize-my-insurance\/\" data-dig-id=\"LP-13770-27525b3d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Can I Personalize My Insurance?\" class=\"rbc-link-format\">Can I Personalize My Insurance?<\/a><\/p>\n\n\n\n<p><strong>Getting coverage through work<\/strong><\/p>\n\n\n\n<p>If your employer offers a group life insurance policy, you\u2019ll want to follow up with your HR department or plan administrator. Coverage through an employer is likely capped at an amount that may not be enough for your individual needs. Additionally, benefits such as group life insurance may change in the future. Inquire about your options to maintain the policy if you decide to change jobs.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlewatqijmw\" class=\"collapse-toggle collapsed\" data-target=\"#accordionwatqijmw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-watqijmw\" aria-controls=\"accordionwatqijmw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What information will I have to give when I apply for life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What information will I have to give when I apply for life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionwatqijmw\" role=\"region\" aria-labelledby=\"accordion-titlewatqijmw\"><div class=\"collapse-inner\">\n<p>In most cases, you will need to give information about your lifestyle, health, age, personal and family medical history. You must answer all questions in your application truthfully and accurately since, if you give incorrect or incomplete information, the insurance company can deny, adjust your benefits or void your coverage.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlelo2wwm3b\" class=\"collapse-toggle collapsed\" data-target=\"#accordionlo2wwm3b\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-lo2wwm3b\" aria-controls=\"accordionlo2wwm3b\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long will it take to hear whether I\u2019m approved?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long will it take to hear whether I\u2019m approved?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionlo2wwm3b\" role=\"region\" aria-labelledby=\"accordion-titlelo2wwm3b\"><div class=\"collapse-inner\">\n<p>The time it takes to hear back varies. In some cases, you may hear back instantly. For example, if you\u2019re under 56, have a good medical history and are applying for less than $1 million in term insurance, you may get an instant response.<\/p>\n\n\n\n<p>In other cases, it could take 3 to 16 weeks to find out if you\u2019re approved, and larger policies may require more time. If you applied with an RBC advisor, you can always reach out to them for an update, and if you applied online you can call 1-800-461-1413.<\/p>\n\n\n\n<p>Once you have your life insurance policy in hand, don\u2019t be afraid to ask your RBC advisor questions\u2014we\u2019re here to help, after all. If something is unclear, it\u2019s in your best interest to understand your coverage. You will also want to store your policy in a safe place.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlejt5kqldp\" class=\"collapse-toggle collapsed\" data-target=\"#accordionjt5kqldp\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-jt5kqldp\" aria-controls=\"accordionjt5kqldp\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens after I apply for life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens after I apply for life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionjt5kqldp\" role=\"region\" aria-labelledby=\"accordion-titlejt5kqldp\"><div class=\"collapse-inner\">\n<p>Once you send in your application, it may go through some form of underwriting, although sometimes this isn\u2019t required.<\/p>\n\n\n\n<p>Underwriting is a formal process an insurer goes through to evaluate the level of risk they are taking on by insuring you. It can be very involved or it can be minimal, depending on your situation. For example, you may need to complete a phone interview and\/or a medical exam.<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li><strong>Medical exam:<\/strong> If a medical exam is ordered, a paramedical nurse may come to your house to check your vitals. This could include collecting a urine and blood sample, weighing and measuring you, and taking your blood pressure and pulse.<\/li>\n\n\n\n<li><strong>Phone interview:<\/strong> If we need more information, you may need to complete a telephone interview. The interviewer may ask personal, financial and medical questions.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleb1pgmhpr\" class=\"collapse-toggle collapsed\" data-target=\"#accordionb1pgmhpr\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-b1pgmhpr\" aria-controls=\"accordionb1pgmhpr\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How is the cost of life insurance determined?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How is the cost of life insurance determined?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionb1pgmhpr\" role=\"region\" aria-labelledby=\"accordion-titleb1pgmhpr\"><div class=\"collapse-inner\">\n<p>The cost of life insurance (premium) is determined based on a variety of different factors such as:<\/p>\n\n\n\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Age<\/li>\n\n\n\n<li>Gender<\/li>\n\n\n\n<li>Health including any tobacco use<\/li>\n\n\n\n<li>Lifestyle<\/li>\n\n\n\n<li>Family medical history<\/li>\n<\/ol>\n\n\n\n<p>As such, your premiums will be lower the younger and healthier you are.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlefp9sghag\" class=\"collapse-toggle collapsed\" data-target=\"#accordionfp9sghag\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-fp9sghag\" aria-controls=\"accordionfp9sghag\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What should I expect during the purchase process?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What should I expect during the purchase process?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionfp9sghag\" role=\"region\" aria-labelledby=\"accordion-titlefp9sghag\"><div class=\"collapse-inner\">\n<p>You will be asked about your lifestyle, personal and family health history. In many cases, many receive an instant decision on coverage.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleqp69jme7\" class=\"collapse-toggle collapsed\" data-target=\"#accordionqp69jme7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-qp69jme7\" aria-controls=\"accordionqp69jme7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens if I don\u2019t receive an instant decision on my coverage?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens if I don\u2019t receive an instant decision on my coverage?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionqp69jme7\" role=\"region\" aria-labelledby=\"accordion-titleqp69jme7\"><div class=\"collapse-inner\">\n<p>If you do not receive an instant decision on coverage, you will need to complete a 30 minute interview to review the current state of your health in order to finalize a decision. The 30 minute interview is completed over the phone and an in-person consultation may or may not be required in your home.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h3>Claims and benefits<\/h3><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlee7juyuau\" class=\"collapse-toggle collapsed\" data-target=\"#accordione7juyuau\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-e7juyuau\" aria-controls=\"accordione7juyuau\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I make a claim?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I make a claim?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordione7juyuau\" role=\"region\" aria-labelledby=\"accordion-titlee7juyuau\"><div class=\"collapse-inner\">\n<p>We understand how stressful it can be to deal with a significant life event like a loved one\u2019s passing. We\u2019re here to give you the support you need and make things as easy as possible. Check out <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/general-insurance\/insurance-claim-essentials\/\" data-dig-id=\"LP-13770-33f83497\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Insurance Claim Essentials\" class=\"rbc-link-format\">Insurance Claim Essentials<\/a>.<\/p>\n\n\n\n<p>To file a claim:<\/p>\n\n\n\n<ol class=\"wp-block-list  list-core-block second-level-inherit third-level-inherit\">\n<li>Locate the insurance policy, if possible. Having the policy number handy when you call will help us give you faster service. If you can\u2019t find it, don\u2019t worry\u2014we can still support you. Check out <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/home-insurance\/all-of-your-important-documents-all-in-one-place\/\" data-dig-id=\"LP-13770-7fc30eb2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"All Of Your Important Documents. All In One Place.\" class=\"rbc-link-format\">All Of Your Important Documents. All In One Place.<\/a><\/li>\n\n\n\n<li>Call us as soon as possible. You will need to make your claim within a certain period of time. This varies by coverage type and is outlined in your policy.<\/li>\n\n\n\n<li>Complete and send in all required documentation. We will guide you through the claims process and the documentation you need. What you need to make a claim depends on the type of coverage you have. In general, you will need to provide:\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>a completed claim form<\/li>\n\n\n\n<li>the death and birth certificate<\/li>\n\n\n\n<li>possibly other documentation.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>If you are claiming on a life insurance policy worth up to $100,000, you may be able to use express service if the policy:\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>has been continuously in force for ten or more years<\/li>\n\n\n\n<li>has a named beneficiary (a policy with an Estate listed as the beneficiary is not eligible).<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title65qxdfly\" class=\"collapse-toggle collapsed\" data-target=\"#accordion65qxdfly\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-13770-65qxdfly\" aria-controls=\"accordion65qxdfly\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What are some of the benefits of life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What are some of the benefits of life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion65qxdfly\" role=\"region\" aria-labelledby=\"accordion-title65qxdfly\"><div class=\"collapse-inner\">\n<p>Life insurance protects your family financially if you pass away, but it can offer other benefits too. Certain types of insurance can help you save up for whatever the future holds, whether it\u2019s paying for your child\u2019s education, protecting and growing your assets or achieving another goal. Check out <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/reasons-to-get-life-insurance\/\" data-dig-id=\"LP-13770-a8a82d1e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"4 Reasons to Get Life Insurance at Any Age.\" class=\"rbc-link-format\">4 Reasons to Get Life Insurance at Any Age.<\/a><\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-13770-36b82996\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Contact us.\" class=\"rbc-link-format\">Contact us.<\/a><\/p><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-article-cards articleCards\"><div class=\"articleCards__header\"><h2><span class=\"partial__border-bottom\">Learn more about life insurance<\/span><\/h2><\/div><div class=\"articleCards__container\"><div class=\"articleCards__cards carousel-wpr\">\n<div class=\"wp-block-rbc-article-card-single articleCardSingle\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumbnail-default-applying-for-life-insurance-2.jpg\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#F7F8FA\"><span class=\"cardTag\">Life Insurance<\/span><h4 class=\"rbc-override-margin\">Applying For Life Insurance: Why You Should Be An Open Book<\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">Some of the questions  in your life insurance application might surprise you.  Let&#8217;s find out what they are and why they&#8217;re necessary.<\/p><p class=\"articleCardSingle__postLink\"><a href='https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/applying-for-life-insurance'>Read more<\/a><\/p><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-article-card-single articleCardSingle\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumb-father-and-son_402x.jpg\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#F7F8FA\"><span class=\"cardTag\">Life Insurance<\/span><h4 class=\"rbc-override-margin\">Life Insurance for a New Baby? Why It Makes Sense.<\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">Purchasing life insurance for your newborn can be a wise investment as you plan for their long-term financial health.<\/p><p class=\"articleCardSingle__postLink\"><a href='https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-for-a-baby-and-why-it-makes-sense'>Read more<\/a><\/p><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-article-card-single articleCardSingle\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2023\/05\/RBCI_SHould_you_buy_life_insurance_in_Your_20s.jpg\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#F7F8FA\"><span class=\"cardTag\">Life Insurance<\/span><h4 class=\"rbc-override-margin\">Should I Buy Life Insurance in My 20s or 30s?<\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">Why buying term and permanent life insurance in your 20s and 30s can help you protect your financial future &#8211; RBC Insurance<\/p><p class=\"articleCardSingle__postLink\"><a href='https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/should-i-buy-life-insurance-in-my-20s-or-30s'>Read more<\/a><\/p><\/div><\/div>\n<\/div><div class=\"articleCards__sliderNav\"><div class=\"articleCards__navArrow articleCards__prevArrow\"><\/div><div class=\"articleCards__sliderDots\"><\/div><div class=\"articleCards__navArrow articleCards__nextArrow\"><\/div><\/div><div class=\"wp-block-buttons articleCards__moreBtnContainer\"><div><div class=\"wp-block-button btn is-style-secondary secondary articleCards__moreBtn\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/\" data-dig-id=\"LP-13770-4c1339e9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more about Insurance\" class=\"rbc-link-format\">Learn more about Life Insurance<\/a><\/span><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-13770-299f5ae4\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<p class=\"mar-b-hlf mob-mar-b-hlf\">The information within this site is not intended to provide tax advice. You should seek independent tax advice from a tax professional or advisor.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>Rate based on a $700,000, Term 10 policy for a female, age 32, non-smoker.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p>This does not constitute advice. Please speak with a licensed insurance advisor for more information on what coverage is suitable for your needs.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p>Only applicable for ages 18 to 55. For individuals aged 56+, the range is $50,000 to $499,999.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4<\/sup><\/div><div class=\"table-cell\">\n<p>Only applicable for ages 18 to 55. For individuals aged 56+, the range is $500,000 to $25,000,000<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-5\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>5<\/sup><\/div><div class=\"table-cell\">\n<p>For the first two years of your policy, the benefit is limited to the return of premiums paid to the date of your death (unless death is the result of an accident before your 85th birthday. In this case, we will pay the Accident Death Benefit). 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.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-6\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>6<\/sup><\/div><div class=\"table-cell\">\n<p>Depending on how you answer the health and lifestyle questions a tele-underwriter may contact you and they may request a blood, urine or weight and blood pressure test. We will send a nurse to a location of your choice to complete these tests.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":159,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-13770","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Life Insurance Canada | RBC Insurance<\/title>\n<meta name=\"description\" content=\"We make it easy to buy life insurance in Canada with plans for term life, permanent life &amp; personal accident coverage. 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