{"id":15050,"date":"2025-11-30T09:00:04","date_gmt":"2025-11-30T14:00:04","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=15050"},"modified":"2026-03-11T12:58:02","modified_gmt":"2026-03-11T16:58:02","slug":"term-life-insurance","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/term-life-insurance\/","title":{"rendered":"Term Life Insurance in Canada"},"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\/2021\/06\/term-life-insurance_hero-desktop.webp) no-repeat;--bghero-mobi-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/term-life-insurance_hero-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-term-life-insurance-in-canada\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\">Term life <\/mark><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">insurance<\/mark><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FFFFFF\" class=\"has-inline-color\"> in Canada<\/mark><\/h1>\n\n\n\n<p class=\"rbc-override-margin p-large has-white-color has-text-color has-link-color wp-elements-fbd48099f2ffa453f38d5292f32e985c\">Term life insurance coverage for people aged 18-70, with rates starting at less than $13\/month.<sup><a href=\"#legal-5\" data-dig-id=\"LP-15050-d0ecfa72\" data-dig-label=\"5\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">5<\/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\/life-insurance\/life-insurance-quote\/index.html\" data-dig-id=\"LP-34660-fc177a87\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n\n\n\n<p class=\" call-link \">or <a href=\"tel:+18662627922\" data-dig-id=\"LP-15050-d034d28f\" data-dig-label=\"Call 1-866-262-7922\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Call 1-866-262-7922<\/a><\/p>\n<\/div><\/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 mar-t-dbl mob-mar-t-0 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<div class=\"selectDropdown selectDropdown__default wp-block-rbc-select-control selectDropdown__floating selectDropdown__month\" id=\"dob-mm\"\t\tdata-option_name=\"dob-mm\" style=\"width:280px\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Select\">\n\t\t\t\tSelect\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"01\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tJanuary\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"02\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tFebruary\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"03\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tMarch\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"04\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tApril\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"05\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tMay\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"06\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tJune\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"07\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tJuly\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"08\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tAugust\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"09\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tSeptember\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"10\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tOctober\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"11\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tNovember\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"12\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tDecember\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t\t\t<input type=\"hidden\" name=\"dob-mm\" value=\"\" \/>\n\t\t\t<\/div>\n\t<\/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<div class=\"selectDropdown selectDropdown__default wp-block-rbc-select-control selectDropdown__floating selectDropdown__provinces\" id=\"province\"\t\tdata-option_name=\"province\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Select one\">\n\t\t\t\tSelect one\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"AB\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tAlberta\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"BC\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tBritish Columbia\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"MB\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tManitoba\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"NB\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tNew Brunswick\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"NL\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tNewfoundland and Labrador\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"NT\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tNorthwest Territories\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"NS\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tNova Scotia\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"NU\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tNunavut\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"ON\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tOntario\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"PE\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tPrince Edward Island\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"QC\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tQuebec\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"SK\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tSaskatchewan\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"YT\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tYukon\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t\t\t<input type=\"hidden\" name=\"province\" value=\"\" \/>\n\t\t\t<\/div>\n\t<\/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<div class=\"selectDropdown selectDropdown__default bookaCallSelect selectDropdown__floating selectDropdown__custom\" id=\"booktime\"\t\tdata-option_name=\"booktime\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Select an option\">\n\t\t\t\tSelect an option\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"9am-10am\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t9am &#8211; 10am\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"10am-11am\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t10am &#8211; 11am\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"11am-12pm\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\t11am &#8211; 12pm\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"No preference\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tNo preference\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t\t\t<input type=\"hidden\" name=\"booktime\" value=\"\" \/>\n\t\t\t<\/div>\n\t<\/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<section class=\"wp-block-rbc-section-block  pos-rel mar-t-dbl mob-mar-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-help-protect-your-family-with-affordable-life-insurance\">Help protect your family with affordable life insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center\">Term life insurance policies are simple and affordable plans to help protect your family in the event something happens to you. Get flexible coverage for 10 to 40 years, with customizable features to meet your unique needs.<\/p>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout7 mar-t-qtr mob-mar-t-qtr\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\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-group layoutSelector__is-flex layoutSelector__direction-col flex-gap-0 flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-you-should-consider-term-life-if-you-re-looking-for\">You should consider term life if you&#8217;re looking for:<\/h3>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard  mar-r-qtr mob-mar-r-qtr\"><div class=\"highlightsCard__heading\"><\/div><div class=\"highlightsCard__items\">\n<p>Temporary coverage that allows you to convert to long-term coverage later, if required.<\/p>\n\n\n\n<p>Customizable add-ons that can adapt to your unique needs, even as they change over time, like coverage for children (children\u2019s term rider) and layering term coverage to protect different needs (term rider).<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-col flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row mar-t-qtr mob-mar-t-qtr is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard pad-l-qtr mob-pad-l-qtr pad-r-qtr mob-pad-r-qtr  isHighlighted\" style=\"--icon-url:url(undefined);background-color:#006AC3\">\n<div class=\"wp-block-group informationCard__content mar-t-qtr mob-mar-t-qtr mar-b-0 mob-mar-b-0 pad-l-0 mob-pad-l-0 pad-r-0 mob-pad-r-0 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-container-core-group-is-layout-92d440f1 wp-block-group-is-layout-flow\" style=\"border-style:none;border-width:0px;padding-top:0;padding-bottom:0\">\n<h3 class=\"wp-block-heading has-text-align-center mar-t-qtr mob-mar-t-qtr pad-r-qtr mob-pad-r-qtr mar-b-0 mob-mar-b-0 pad-l-qtr mob-pad-l-qtr pad-b-qtr mob-pad-b-qtr has-text-lg-font-size\" id=\"h-18-70\">18 &#8211; 70<\/h3>\n<\/div>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center pad-l-qtr mob-pad-l-qtr mob-pad-t-hlf mar-b-qtr mob-mar-b-qtr pad-r-qtr mob-pad-r-qtr pad-t-qtr\" id=\"h-eligible-ages\">Eligible ages<\/h5>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard mob-pad-r mob-pad-l pad-l pad-r  isHighlighted\" style=\"--icon-url:url(undefined);background-color:#006AC3\">\n<div class=\"wp-block-group informationCard__content mar-l-0 mob-mar-l-0 mar-r-0 mob-mar-r-0 pad-l-0 mob-pad-l-0 pad-r-0 mob-pad-r-0 is-layout-flow wp-block-group-is-layout-flow\" style=\"border-style:none;border-width:0px;border-radius:0px;min-height:0px;margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30);padding-top:0;padding-right:var(--wp--preset--spacing--50);padding-bottom:0;padding-left:var(--wp--preset--spacing--50)\">\n<h3 class=\"wp-block-heading has-text-align-center mar-t-qtr mob-mar-t-qtr mob-mar-b-0 mar-r-0 mar-l-0 mob-mar-l-0 mob-mar-r-0 mob-pad-r-0 pad-r-0 pad-l-0 mob-pad-l-0 mar-b-0 pad-b-qtr mob-pad-b-qtr has-text-reg-font-size\" id=\"h-50k-25m\">$50K &#8211; $25M<\/h3>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center mar-l-0 mob-mar-l-0 mob-mar-r-0 pad-l-hlf mob-pad-l-hlf pad-r-hlf mob-pad-r-hlf mob-pad-t-hlf mar-b-qtr mob-mar-b-qtr mar-r-0 pad-t-qtr\" id=\"h-coverage-available\">Coverage available<\/h5>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard mob-pad-r mob-pad-l pad-l pad-r  isHighlighted\" style=\"--icon-url:url(undefined);background-color:#006AC3\">\n<div class=\"wp-block-group informationCard__content mar-l-0 mob-mar-l-0 mar-r-0 mob-mar-r-0 pad-l-0 mob-pad-l-0 pad-r-0 mob-pad-r-0 is-layout-flow wp-block-group-is-layout-flow\" style=\"border-style:none;border-width:0px;border-radius:0px;min-height:0px;margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30);padding-top:0;padding-right:var(--wp--preset--spacing--50);padding-bottom:0;padding-left:var(--wp--preset--spacing--50)\">\n<h3 class=\"wp-block-heading has-text-align-center mar-t-qtr mob-mar-t-qtr mob-mar-b-0 mar-r-0 mar-l-0 mob-mar-l-0 mob-mar-r-0 mob-pad-r-0 pad-r-0 pad-l-0 mob-pad-l-0 mar-b-0 pad-b-qtr mob-pad-b-qtr has-text-reg-font-size\" id=\"h-10-40-years\">10 &#8211; 40 years<\/h3>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center mar-l-0 mob-mar-l-0 mob-mar-r-0 pad-l-hlf mob-pad-l-hlf pad-r-hlf mob-pad-r-hlf mob-pad-t-hlf mar-b-qtr mob-mar-b-qtr mar-r-0 pad-t-qtr\" id=\"h-term-length\">Term length<\/h5>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row mar-r-dbl mob-mar-r-0 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard mar-r-dbl mob-mar-r-0  isHighlighted\" style=\"--icon-url:url(undefined);background-color:#006AC3\">\n<div class=\"wp-block-group informationCard__content mar-t-0 mob-mar-t-0 mar-b-0 mob-mar-b-0 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group mar-b-0 mob-mar-b-0 mar-t-0 mob-mar-t-0 is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-text-align-center mar-b-0 mob-mar-b-0 pad-b-qtr mob-pad-b-qtr pad-t-qtr mob-pad-t-qtr pad-l-qtr mob-pad-l-qtr pad-r-qtr mob-pad-r-qtr mob-mar-t-0 mar-r-0 mob-mar-r-0 mar-l-0 mob-mar-l-0 mar-t-0\" id=\"h-customizable-add-ons\">Customizable add-ons<\/h3>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:107px\" aria-hidden=\"true\" class=\"wp-block-spacer pad-l-dbl mob-pad-l-dbl pad-r-dbl mob-pad-r-dbl mar-l mob-mar-l desktop-only\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/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-term-life-insurance\">Benefits of term life insurance<\/h2>\n\n\n\n<p class=\"p-large\"><span class=\"partial__border-bottom\">Key advantages of term life insurance that help protect your family while keeping coverage flexible and affordable.<\/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\/2021\/06\/Family-Protection.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-a-tax-free-death-benefit\">A tax-free death benefit<\/h4>\n<\/div>\n\n\n\n<p>Provides your family stability at the very time they will need it most. Your beneficiaries will receive a lump sum, tax-free benefit if you pass away<sup><a href=\"#legal-3\" data-dig-id=\"LP-15050-e3b26f8d\" data-dig-label=\"3\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">3<\/a>,<a href=\"#legal-4\" data-dig-id=\"LP-15050-0805436b\" data-dig-label=\"4\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">4<\/a><\/sup><\/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\/Umbrella.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-flexible-term-ranges-at-affordable-rates\">Flexible term ranges at affordable rates<\/h4>\n<\/div>\n\n\n\n<p>With policy terms from 10-40 years and anything in between, you\u2019ll find coverage that works for you. Rest assured knowing how much you\u2019ll pay as your premiums are guaranteed to stay the same for your entire term.<\/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\/loan-protection.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-accidental-death-benefit-3-8\">Accidental death benefit<sup><a href=\"#legal-3\" data-dig-id=\"LP-15050-104782b5\" data-dig-label=\"3\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">3<\/a>,<a href=\"#legal-8\" data-dig-id=\"LP-15050-a1613aa5\" data-dig-label=\"8\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">8<\/a><\/sup><\/h4>\n<\/div>\n\n\n\n<p>Unexpected events happen, but you can plan for them. In the case of accidental death, your beneficiary could receive an additional benefit amount.<\/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\/2021\/06\/Switch.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-exchangeable\">Exchangeable<\/h4>\n<\/div>\n\n\n\n<p>Exchange option is available for RBC Term and RBC YourTerm policies and riders between term length of 10 and 39 years.<sup><a href=\"#legal-6\" data-dig-id=\"LP-15050-ee786b50\" data-dig-label=\"6\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">6<\/a>,<a href=\"#legal-7\" data-dig-id=\"LP-15050-acf3f364\" data-dig-label=\"7\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">7<\/a>,<a href=\"#legal-9\" data-dig-id=\"LP-31395-e5c60094\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"9\" class=\"rbc-link-format\">9<\/a><\/sup><\/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\/Exchange-2.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-convertible\">Convertible<\/h4>\n<\/div>\n\n\n\n<p>Convert your policy to a permanent policy such as RBC Growth Insurance&nbsp;without providing updated medical information about yourself.<sup><a href=\"#legal-2\" data-dig-id=\"LP-15050-19320fdb\" data-dig-label=\"2\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">2<\/a><\/sup><\/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\/Wallet.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-affordable\">Affordable<\/h4>\n<\/div>\n\n\n\n<p>Term life policies start as low as $12.22 per month.<sup><a href=\"#legal-5\" data-dig-id=\"LP-15050-4ae1f91b\" data-dig-label=\"5\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">5<\/a><\/sup><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\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-types-of-term-life-insurance-plans\">Types of term life insurance plans<\/h2>\n\n\n\n<p class=\"p-large\"><span class=\"partial__border-bottom\">We offer two different term insurance plans to choose from. They are eligible for Canadian residents between the ages of 18-70 who have been in Canada for more than 12 months.<\/span><\/p>\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-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\" id=\"h-term-life-insurance\">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<\/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>Coverage amount<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>$50,000 &#8211; $1,000,000 in coverage for ages 18-55<\/p>\n\n\n\n<p>$50,000 &#8211; $499,999 in coverage for ages 56+<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Features<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>No medical exam:&nbsp;You may be eligible to receive coverage without having a medical examination<\/p>\n\n\n\n<p>Accidental death benefit:&nbsp;In the case of accidental death, your beneficiary could receive an additional life insurance benefit amount of $10,000<sup><a href=\"#legal-3\" data-dig-id=\"LP-15050-af94fcc5\" data-dig-label=\"3\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">3<\/a><a href=\"#legal-8\" data-dig-id=\"LP-15050-603096ed\" data-dig-label=\"8\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">,8<\/a><\/sup><\/p>\n\n\n\n<p>30-day review period: If you change your mind within the first 30 days, we will give you a full refund and cancel your policy<\/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-34660-2f59c34b\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get my quote-https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/ \">Get my quote<\/a><\/div>\n<\/div><\/div>\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\" id=\"h-term-life-insurance-0\">Term life insurance<\/h5>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-your-term-life-insurance\">RBC <em>Your<\/em>Term\u00ae Life Insurance<\/h4>\n\n\n\n<p>Customize your coverage with higher coverage limits, more flexible options and more benefits.<\/p>\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>Coverage amount<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>$1,000,001 \u2013 $25,000,000 in coverage for ages 18-55<\/p>\n\n\n\n<p>$500,000 &#8211; $25,000,000 in coverage for ages 56+<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-highlights-card highlightsCard\"><div class=\"highlightsCard__heading\"><h5>Features<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Flexible:&nbsp;Choose coverage for 10, 15, 20 or 40 years (and anything in between)<\/p>\n\n\n\n<p>10-day review period:&nbsp;If you change our mind within the first 10 days, we will give you a full refund and cancel your policy<\/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-34660-2f59c34b\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get my quote-https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/ \">Get my quote<\/a><\/div>\n<\/div><\/div>\n<\/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-rbc-information-card informationCard mar-b mob-mar-b\" 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\" id=\"h-calculate-how-much-term-life-insurance-you-need\">Calculate how much term life insurance you need<\/h4>\n<\/div>\n\n\n\n<p>Start planning for the future by understanding how much 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-34660-f853c7ef\" 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=\"Term Life Insurance 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\" id=\"h-compare-your-term-life-insurance-options\">Compare your term life insurance options<\/h4>\n<\/div>\n\n\n\n<p>There\u2019s a term 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-34660-f853c7ef\" 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\/car-and-home-policy.webp?quality=80&amp;w=200\" alt=\"Comparing term life plans\" class=\"wp-image-16041\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/car-and-home-policy.webp 200w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/car-and-home-policy.webp?resize=150,150 150w\" sizes=\"auto, (max-width: 200px) 100vw, 200px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\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-how-to-buy-term-life-insurance\">How to buy term life insurance<\/h2>\n\n\n\n<p class=\"p-large\"><span class=\"partial__border-bottom\">Choose between an online term life insurance application or a consultation with a licensed RBC Insurance Advisor.<\/span><\/p>\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  has-icon\" style=\"--icon-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Start-Application.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-start-your-term-life-insurance-quote\">Start your term life insurance quote<\/h4>\n<\/div>\n\n\n\n<p>Get a free no-obligation term life insurance quote, and quickly find your monthly rate.<\/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\/Thumbs-Up.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-choose-your-term-policy\">Choose your term policy<\/h4>\n<\/div>\n\n\n\n<p>Apply for a term life plan that works for you \u2013 you may be able to receive coverage without undergoing a medical exam.<\/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\/check-circle.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-complete-your-application\">Complete your application<\/h4>\n<\/div>\n\n\n\n<p>Apply for term life online in 15 minutes. You could be approved so have your credit card available if you\u2019re ready to purchase.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__buttonGroup is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons mar-b-hlf mob-mar-b-hlf 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\/life-insurance-quote\/\" data-dig-id=\"LP-34660-08cbfc2c\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a term life insurance quote-https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/ \">Get a term life insurance quote<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<p class=\"has-text-align-center\">Or call to apply by phone: <a href=\"tel:1-866-262-7922\" data-dig-id=\"LP-15050-fc25704e\" data-dig-label=\"1-800-461-1413\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">1-866-262-7922<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-article-cards articleCards\"><div class=\"articleCards__header\"><h2><span class=\"partial__border-bottom\">See just how affordable term life insurance rates can be<\/span><\/h2><\/div><div class=\"articleCards__container\"><div class=\"articleCards__cards carousel-wpr\">\n<div class=\"wp-block-rbc-article-card-single articleCardSingle isHighlighted\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/article-card-justine.webp\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#006AC3\"><span class=\"cardTag\">Female, 28, non-smoker<\/span><h4 class=\"rbc-override-margin\">Justine<\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">At 28, Justine recently graduated from university.<\/p><p class=\"articleCardSingle__postLink\">As she begins her career and starts saving up for her first home, she\u2019s being proactive with her money by locking in the low rate available at her early age which is guaranteed to stay the same for her entire term.<br><strong><br>Coverage:<\/strong>\u00a0$50,000<br><strong>Term:<\/strong>\u00a015 years<br><strong>Rate:<\/strong>\u00a0$9.72\/month<\/p><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-article-card-single articleCardSingle isHighlighted\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/article-card-hunter-samantha.webp\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#006AC3\"><span class=\"cardTag\">Male, 35, non-smoker<\/span><h4 class=\"rbc-override-margin\">Hunter and Samantha<\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">At 35, Hunter recently got married and purchased a house with his partner.<\/p><p class=\"articleCardSingle__postLink\">As they begin planning to have children, Hunter wants to rest assured that his family\u2019s financial future will be protected in the event something happens to him.<br><br><strong>Coverage:<\/strong>\u00a0$50,000<br><strong>Term:<\/strong>\u00a030 years<br><strong>Rate:<\/strong>\u00a0$19.00\/month<\/p><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-article-card-single articleCardSingle isHighlighted\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/article-card-olivia.webp\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#006AC3\"><span class=\"cardTag\">Female, 44, non-smoker<\/span><h4 class=\"rbc-override-margin\">Olivia<\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">At 44, Olivia is a single mother and wants to make sure her son is set up if anything were to happen to her.<\/p><p class=\"articleCardSingle__postLink\">She needs a policy that offers affordability without sacrificing the peace of mind knowing her son\u2019s financial future is protected.<br><br><strong>Coverage:<\/strong> $750,000<br><strong>Term:<\/strong> 20 years<br><strong>Rate:<\/strong> $67.25\/month<\/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><\/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-find-the-term-life-insurance-coverage-that-s-right-for-you\">Find the term life insurance coverage that\u2019s right for you<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Speak with an RBC Insurance advisor about buying term life insurance or get a 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\/life-insurance\/life-insurance-quote\/index.html\" data-dig-id=\"LP-34660-e3186616\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a term life insurance quote-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a term life insurance quote<\/a><\/div>\n<\/div><\/div>\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\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-34660-e3186616\" 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:+18662627922\" data-dig-id=\"LP-15050-c77d75f6\" data-dig-label=\"Call 1-866-262-7922\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Call 1-866-262-7922<\/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-large\"><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?quality=80&amp;w=606\" alt=\"father and son\" 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=412,390 412w\" 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 term life insurance<\/h2><\/div><div class=\"faqWrapper__content\"><div class=\"faqWrapper__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"General insurance\">\n\t\t\t\tGeneral insurance\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tGeneral insurance\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tEligibility\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tPremiums\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"3\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tApplying for coverage\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"4\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\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<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tCoverage details\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<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"faqWrapper__menuItems\"><div class=\"faqWrapper__menuItem\" tabindex=\"0\">General insurance<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Eligibility<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Premiums<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Applying for coverage<\/div><div class=\"faqWrapper__menuItem\" tabindex=\"0\">Coverage details<\/div><\/div><p class=\"faqWrapper__helpText\">Still have questions? <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/contact-us\/#life\" data-dig-id=\"LP-15050-c0502224\" 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>General 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-title3a9rbrb6\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3a9rbrb6\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-3a9rbrb6\" aria-controls=\"accordion3a9rbrb6\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much term life insurance do I need?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much term life insurance do I need?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3a9rbrb6\" role=\"region\" aria-labelledby=\"accordion-title3a9rbrb6\"><div class=\"collapse-inner\">\n<p>The answer to this question depends on several factors, including your salary, whether you have other life insurance, your financial obligations and more. Generally, 5-7 times your current net income is recommended. However, your specific needs could be less than or greater than this recommendation.<\/p>\n\n\n\n<p>Speak to an RBC Advisor if you\u2019d like to learn more:&nbsp;1-866-757-2595<\/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-title30e8qern\" class=\"collapse-toggle collapsed\" data-target=\"#accordion30e8qern\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-30e8qern\" aria-controls=\"accordion30e8qern\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"If I smoke, can I apply for term life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If I smoke, can I apply for term life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion30e8qern\" role=\"region\" aria-labelledby=\"accordion-title30e8qern\"><div class=\"collapse-inner\">\n<p>If you smoke, you may still apply for coverage. You will qualify for non-smoker rates only if you have not used any form of tobacco products within the last 12 months. If you occasionally smoke or if you have quit smoking in the last 12 months, you are considered a smoker.<\/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-titlefuedtevp\" class=\"collapse-toggle collapsed\" data-target=\"#accordionfuedtevp\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-fuedtevp\" aria-controls=\"accordionfuedtevp\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What happens to my term life insurance premiums if I quit smoking after my policy is issued?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What happens to my term life insurance premiums if I quit smoking after my policy is issued?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionfuedtevp\" role=\"region\" aria-labelledby=\"accordion-titlefuedtevp\"><div class=\"collapse-inner\">\n<p>Once the policy is issued, you can apply for a change to non-smoker rates if you have gone a full 12-month period without using any form of tobacco products. Contact us and apply for a switch to non-smoker rates. You will have to complete a medical questionnaire and we will send out a nurse to collect medical evidence, most likely a urinalysis. Once our underwriters have approved your application and your eligibility is confirmed, you will be switched to non-smoker rates.<\/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>Eligibility<\/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-titleia7d9l2w\" class=\"collapse-toggle collapsed\" data-target=\"#accordionia7d9l2w\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-ia7d9l2w\" aria-controls=\"accordionia7d9l2w\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Who can apply for term life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Who can apply for term life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionia7d9l2w\" role=\"region\" aria-labelledby=\"accordion-titleia7d9l2w\"><div class=\"collapse-inner\">\n<p>You may apply for RBC&nbsp;<em>Simplified<sup>\u00ae<\/sup><\/em>&nbsp;Term Life Insurance or RBC&nbsp;<em>Your<\/em>Term<sup>\u00ae<\/sup>&nbsp;Life Insurance if you are:<\/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>From age 18 to age 70 for Terms 10 to 15. For Terms 16 to 40, the maximum issue age would be age 85 less the selected Term. For example, if a Term 25 policy is desired, the max issue age is 60 (85-25).<\/li>\n\n\n\n<li>If you want to apply for RBC&nbsp;<em>Simplified<sup>\u00ae<\/sup><\/em>&nbsp;Term Life Insurance online, you must be a Canadian citizen or a permanent resident\/landed immigrant who has been in Canada for more than 12 months.<\/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>Premiums<\/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-title3plzkho4\" class=\"collapse-toggle collapsed\" data-target=\"#accordion3plzkho4\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-3plzkho4\" aria-controls=\"accordion3plzkho4\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Could I qualify for preferred term life insurance rates?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Could I qualify for preferred term life insurance rates?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion3plzkho4\" role=\"region\" aria-labelledby=\"accordion-title3plzkho4\"><div class=\"collapse-inner\">\n<p>Preferred rates only apply to RBC&nbsp;<em>Your<\/em>Term<sup>\u00ae<\/sup>.<sup><a href=\"#legal-1\" data-dig-id=\"LP-15050-dac836cb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1\" class=\"rbc-link-format\">1<\/a><\/sup>&nbsp;Preferred rates also depend on your family history, your health and lifestyle factors, whether you participate in dangerous sports, and more. Please contact us for more information. For people aged 18-55, preferred rates start at $1,000,001, and for people aged 55-80, preferred rates start at $500,000.<\/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-titlebp5vvzyg\" class=\"collapse-toggle collapsed\" data-target=\"#accordionbp5vvzyg\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-bp5vvzyg\" aria-controls=\"accordionbp5vvzyg\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are term life insurance rates guaranteed?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are term life insurance rates guaranteed?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionbp5vvzyg\" role=\"region\" aria-labelledby=\"accordion-titlebp5vvzyg\"><div class=\"collapse-inner\">\n<p>Once you are approved, your policy will contain a premium schedule that will show all premiums payable, including the renewal premiums that would apply at the end of your term. As long as you continue to pay your premiums, your coverage will continue at these rates.<\/p>\n\n\n\n<p>Premiums are guaranteed for the life of the policy and will be specified in the policy schedule included in the insurance contract. Premiums remain the same for the term length selected. After that term length passes, premiums will renew annually.<\/p>\n\n\n\n<p>Here\u2019s an example to help illustrate how it works: A 25 year old female, non-smoker applies for $1,500,000 in coverage with a Term 20. Premiums are the same at $51.12\/month for the next 20 years. At the end of the 20 years, the coverage will renew with premiums increasing year over year.<\/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-titleteyb7gh7\" class=\"collapse-toggle collapsed\" data-target=\"#accordionteyb7gh7\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-teyb7gh7\" aria-controls=\"accordionteyb7gh7\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How long will I pay premiums for term life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How long will I pay premiums for term life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionteyb7gh7\" role=\"region\" aria-labelledby=\"accordion-titleteyb7gh7\"><div class=\"collapse-inner\">\n<p>You will pay premiums for the length of your term (from 10 to 40 years), depending on the term policy you have selected. Coverage can be renewed annually after the initial Term until age 100, at which time coverage continues but premiums are no longer required.<\/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-titlensq6oum8\" class=\"collapse-toggle collapsed\" data-target=\"#accordionnsq6oum8\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-nsq6oum8\" aria-controls=\"accordionnsq6oum8\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can I pay for my term life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can I pay for my term life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionnsq6oum8\" role=\"region\" aria-labelledby=\"accordion-titlensq6oum8\"><div class=\"collapse-inner\">\n<p>You may pay for your policy on a monthly or annual basis.<\/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>If you are paying by monthly pre-authorized debit, we will automatically charge your account when you are approved for coverage.<\/li>\n\n\n\n<li>If you select to pay on an annual basis, we will send out an invoice for the annual premium. You can also save money by paying annually.<\/li>\n\n\n\n<li>If you buy RBC&nbsp;<em>Simplified<sup>\u00ae<\/sup><\/em>&nbsp;Term Life Insurance online, you can use a credit card in the name of the policyholder.<\/li>\n\n\n\n<li>If you buy RBC&nbsp;<em>Simplified<sup>\u00ae<\/sup><\/em>&nbsp;Term Life Insurance over the phone, you can use a credit card in the name of the policyholder or set up pre-authorized debits.<\/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>Applying for coverage<\/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-titleq1gxikab\" class=\"collapse-toggle collapsed\" data-target=\"#accordionq1gxikab\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-q1gxikab\" aria-controls=\"accordionq1gxikab\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How do I apply for term life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How do I apply for term life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionq1gxikab\" role=\"region\" aria-labelledby=\"accordion-titleq1gxikab\"><div class=\"collapse-inner\">\n<p>* Online option may not be available to all customers. Please get a quote to see if you are eligible to buy online.<\/p>\n\n\n\n<p>If you are between the ages of 18-55 and applying for more than $1,000,000 in coverage; or If you are between the ages of 56-70 and applying for $500,000 or more in coverage, Apply for RBC&nbsp;<em>Your<\/em>Term<sup>\u00ae<\/sup>&nbsp;Life Insurance:<\/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>Call&nbsp;1-844-340-2924<\/li>\n\n\n\n<li><a href=\"https:\/\/services.rbcinsurance.com\/StoreAdvisorLocator\/\" target=\"_blank\" data-dig-id=\"LP-15050-acdc6ad5\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Find an RBC Insurance Store or Advisor\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Find an RBC Insurance Store or Advisor<\/a><\/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-titleztj0gzyp\" class=\"collapse-toggle collapsed\" data-target=\"#accordionztj0gzyp\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-ztj0gzyp\" aria-controls=\"accordionztj0gzyp\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I cancel my term life insurance policy at any time?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I cancel my term life insurance policy at any time?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionztj0gzyp\" role=\"region\" aria-labelledby=\"accordion-titleztj0gzyp\"><div class=\"collapse-inner\">\n<p>Yes, but you must request the cancellation in writing. When your policy is delivered to you, you have a free look period to review it and cancel without any penalty\u201430 days for RBC&nbsp;<em>Simplified<sup>\u00ae<\/sup><\/em>&nbsp;Term Life Insurance and 10 days for RBC&nbsp;<em>Your<\/em>Term<sup>\u00ae<\/sup>&nbsp;Life Insurance. If you want to cancel inside this free look period, we\u2019ll refund all premiums paid. After the 10 or 30 days, you can cancel your insurance however you will not receive a refund for the time the coverage was in place.<\/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>Coverage details<\/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-titlejj19nwci\" class=\"collapse-toggle collapsed\" data-target=\"#accordionjj19nwci\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-jj19nwci\" aria-controls=\"accordionjj19nwci\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is term life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is term life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionjj19nwci\" role=\"region\" aria-labelledby=\"accordion-titlejj19nwci\"><div class=\"collapse-inner\">\n<p>Term life insurance is a legal contract between you and RBC Life Insurance Company. In the event of your death, we will make a tax-free payment to your beneficiary or estate<sup><a href=\"#legal-3\" data-dig-id=\"LP-15050-b72ff8df\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">3<\/a>,<a href=\"#legal-4\" data-dig-id=\"LP-15050-15490a29\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"4\" class=\"rbc-link-format\">4<\/a><\/sup>, usually referred to as a death benefit. (Note that probate fees are applicable if the death benefit is paid to your estate.<\/p>\n\n\n\n<p>Term life insurance covers you for 10 to 40 year periods. Coverage can be automatically renewed after the initial Term until age 100, at which time coverage continues but premiums are no longer required.<\/p>\n\n\n\n<p>As term insurance is intended to cover short term needs, you want to select a term length aligning with how long you require the coverage, such as buying a term policy to align with a 20 year mortgage term. The term policy is guaranteed renewable in case you do require the coverage for a longer period of time, however you can also request to cancel the policy at that time if you no longer need the coverage.<\/p>\n\n\n\n<p>The premium you pay goes towards life insurance coverage only. The policy does not build any cash value. However, our policies do allow you to convert your insurance to a permanent life insurance or universal life insurance plan at any time prior to the age of 71, with no health questions or medical exam.<sup><a href=\"#legal-2\" data-dig-id=\"LP-15050-d333f798\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup><\/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-titlejva963i4\" class=\"collapse-toggle collapsed\" data-target=\"#accordionjva963i4\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-jva963i4\" aria-controls=\"accordionjva963i4\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What\u2019s the difference between term and permanent life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What\u2019s the difference between term and permanent life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionjva963i4\" role=\"region\" aria-labelledby=\"accordion-titlejva963i4\"><div class=\"collapse-inner\">\n<p>One of the differences between term life insurance and permanent life insurance is that term life insurance is intended to cover shorter term needs (such as protecting your income prior to retiring, a mortgage or loan, children\u2019s education costs etc), whereas permanent life insurance provides coverage for your lifetime. Term life insurance is also generally lower in cost when compared to permanent 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-titleztfgcw9n\" class=\"collapse-toggle collapsed\" data-target=\"#accordionztfgcw9n\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-ztfgcw9n\" aria-controls=\"accordionztfgcw9n\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What are the benefits of term life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What are the benefits of term life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionztfgcw9n\" role=\"region\" aria-labelledby=\"accordion-titleztfgcw9n\"><div class=\"collapse-inner\">\n<p>All of our term life insurance plans offer these benefits:<\/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>Affordable, guaranteed rates<\/li>\n\n\n\n<li>Coverage for 10 to 40 year periods<\/li>\n\n\n\n<li>Coverage can be automatically renewed after the initial Term until age 100, at which time coverage continues but premiums are no longer required<\/li>\n\n\n\n<li>Ability to convert to a permanent or universal life insurance plan prior to age 71, with no health questions or medical exam required.<sup><a href=\"#legal-2\" data-dig-id=\"LP-15050-4c077891\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">2<\/a><\/sup><\/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-title5sma1pgq\" class=\"collapse-toggle collapsed\" data-target=\"#accordion5sma1pgq\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-5sma1pgq\" aria-controls=\"accordion5sma1pgq\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Is there any cash value with a term life insurance policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Is there any cash value with a term life insurance policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion5sma1pgq\" role=\"region\" aria-labelledby=\"accordion-title5sma1pgq\"><div class=\"collapse-inner\">\n<p>There is no cash value with a term life insurance policy. The premium you pay is for coverage only.<\/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-titleltvqh6j2\" class=\"collapse-toggle collapsed\" data-target=\"#accordionltvqh6j2\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-ltvqh6j2\" aria-controls=\"accordionltvqh6j2\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the conversion option for term life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the conversion option for term life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionltvqh6j2\" role=\"region\" aria-labelledby=\"accordion-titleltvqh6j2\"><div class=\"collapse-inner\">\n<p>The conversion option allows you to convert to a permanent life insurance plan prior to age 71, with no health questions or medical exam required.<\/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-title4d36af7t\" class=\"collapse-toggle collapsed\" data-target=\"#accordion4d36af7t\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-4d36af7t\" aria-controls=\"accordion4d36af7t\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the exchange option?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the exchange option?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion4d36af7t\" role=\"region\" aria-labelledby=\"accordion-title4d36af7t\"><div class=\"collapse-inner\">\n<p>The exchange option allows you to exchange a Simplified Term and Term 10 policy for a Term 15, Term 20 or Term 30 policy without providing evidence of insurability. The exchange must occur prior to the earlier of your 5th policy anniversary and the policy anniversary nearest your 70th birthday.<\/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-titlecy5x8t1l\" class=\"collapse-toggle collapsed\" data-target=\"#accordioncy5x8t1l\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-cy5x8t1l\" aria-controls=\"accordioncy5x8t1l\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When does term life insurance coverage start and end?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When does term life insurance coverage start and end?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioncy5x8t1l\" role=\"region\" aria-labelledby=\"accordion-titlecy5x8t1l\"><div class=\"collapse-inner\">\n<p>You are covered under the policy once you are approved and we receive the first premium. There should also be no change in your health during the review of your application.<\/p>\n\n\n\n<p>If you are paying by monthly pre-authorized debit, we will automatically debit your account when you are approved for coverage. If you select to pay on an annual basis, we will send out an invoice for the annual premium. Once payment is received, coverage starts. If there is any change in your health during our review of your application, please notify our office immediately.<\/p>\n\n\n\n<p>Your coverage ends on the earlier of:<\/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>The date of your death<\/li>\n\n\n\n<li>The date you request to cancel your life insurance in writing<\/li>\n\n\n\n<li>The date you stop paying your insurance premiums\/paragraph<\/li>\n<\/ul>\n\n\n\n<p>Please contact us for complete details.<\/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-titleefcukv86\" class=\"collapse-toggle collapsed\" data-target=\"#accordionefcukv86\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-34660-efcukv86\" aria-controls=\"accordionefcukv86\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are there any exclusions for term life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are there any exclusions for term life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionefcukv86\" role=\"region\" aria-labelledby=\"accordion-titleefcukv86\"><div class=\"collapse-inner\">\n<p>Yes. During the first two years of coverage, if death is due to suicide, then no benefit is payable. Also, if during the application process we are given incorrect or incomplete information, RBC Insurance has the right to deny the claim. This includes information regarding health, lifestyle or smoking habits.<\/p>\n\n\n\n<p>The information above is intended as a summary only. For RBC&nbsp;<em>Simplified<sup>\u00ae<\/sup><\/em>&nbsp;Term Life Insurance, please see the additional disclosure information or a&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/simplified-term-life-sample-policy.pdf\" data-dig-id=\"LP-15050-f26d0253\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\">sample policy<\/a>&nbsp;for complete terms and conditions, including benefits and exclusions. For RBC&nbsp;<em>Your<\/em>Term<sup>\u00ae<\/sup>&nbsp;Life Insurance, please see a&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/your-term-sample-policy.pdf\" data-dig-id=\"LP-15050-b9238a6f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"sample policy\" class=\"rbc-link-format pdf-link\" data-icon-class=\"pdf-link\">sample policy<\/a>&nbsp;for complete details on terms and conditions, including benefits and exclusions.<\/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\/en-ca\/contact-us\/#life\" data-dig-id=\"LP-15050-c0502224\" 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<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-34660-9a915362\" 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<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>You may apply for term life insurance if you are from age 18 to age 70 for Terms from 10 to 15. For Terms over 15 years, the maximum issue age would be 85 less the selected Term. For example, if a Term 25 is desired the max issue age is 60 (85-25).<\/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>Must be done prior to age 71. Subject to certain terms and conditions. Please contact us for complete details.<\/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>Subject to policy exclusions.<\/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>Note that probate fees are applicable if you have not designated a beneficiary and the proceeds of your policy become part of your estate.<\/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>Rate based on a $100,000, Term 10 policy for a male, age 37, 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-6\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>6<\/sup><\/div><div class=\"table-cell\">\n<p>Exchange must occur prior to the earlier of the eighth (8th) policy anniversary and the policy anniversary nearest the life insured\u2019s seventieth (70th) birthday or if the plan is a joint-first-to-die plan, the exchange must occur prior to the 70th birthday of the oldest life insured.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-7\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>7<\/sup><\/div><div class=\"table-cell\">\n<p>Exchange must occur prior to the earlier of the eighth (8th) policy anniversary and the policy anniversary nearest the life insured\u2019s seventieth (70th) birthday.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-8\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>8<\/sup><\/div><div class=\"table-cell\">\n<p>Accidental Death Benefit is subject to the terms and conditions of the policy.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-9\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>9<\/sup><\/div><div class=\"table-cell\">\n<p>Maximum Issue Ages and term length:<br>RBC YourTerm 10-15: Ages 18-70<br>RBC Your Term 16-40: Age 85 less selected term<br>Example: The maximum issue age for RBC YourTerm 25 is age 60 (85-25 = 60)<\/p>\n\n\n\n<p><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":159,"featured_media":0,"parent":13770,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-15050","page","type-page","status-publish","hentry"],"pp_force_visibility":null,"pp_subpost_visibility":null,"pp_inherited_force_visibility":null,"pp_inherited_subpost_visibility":null,"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Term Life Insurance Canada | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Term life insurance helps protect the financial future of Canadian families Term insurance is very affordable and easy to buy online Calculate your 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