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Individuals & Familes - Life Insurance
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Term Life Insurance
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Is term life insurance right for you?

Do one or more of the following apply?

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You want coverage for specific needs that will disappear over time, such as a mortgage, car loans or college costs

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You have a higher need than you think you could afford

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You don't need to accumulate cash value in the policy

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You may want to convert to a permanent plan in the future without having to undergo further underwriting

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You can accept higher premiums later extending the term coverage or converting to a permanent policy, to receive the lowest premiums today

If you are unsure which type is right for you, return to Learning About Life Insurance. If you think that term life insurance is the right choice for your life insurance needs, RBC Insurance offers a variety of products to provide simple and dependable protection and fit a wide range of temporary life insurance needs. 

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RBC ExpressTERM TM

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RBC LevelTERM ®

RBC ExpressTERM makes buying life insurance faster and easier than ever before. Get a quote, apply, and receive your policy online - without ever leaving your computer!

Get up to $150,000 in coverage in as little as 15 minutes!

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Policies from $25,000 to $150,000

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Your choice of 10, 15, or 20 year term periods

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No medical exam - just answer a few health questions

Get your free quote

RBC LevelTERM offers affordability today, flexibility for the future, and smoker rates that are among the lowest in the industry. Our level term policy provides life insurance protection that remains level for the initial coverage period you select.

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Face amounts begin at $100,000

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Choose 10, 15, 20, or 30-year initial term coverage periods

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No maximum coverage amount 1

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Premiums are fully guaranteed to age 95 and are level during the initial coverage period

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Renewable to policy anniversary nearest 95th birthday

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Convert to permanent or flexible premium life policy during initial contract period - before age 70 - without additional evidence of insurability 2

Get your free quote

1 Subject to underwriting guidelines.

2 Your agent can provide information on specific underwriting requirements.

Products underwritten by Liberty Life Insurance Company. Insurance products are not available in all states. State variations apply. See product descriptions or policies for details. Products contain exclusions and limitations, which affect benefits provided.

TM Trademarks of Royal Bank of Canada. Used under license.

® Registered trademarks of Royal Bank of Canada. Used under license.

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RBC ExpressTERM
RBC LevelTERM