Term 10 & 20: Guaranteed renewable term life insurance. The level sum insured and all premiums are guaranteed not to change.
Lifestyle Protection: This policy is available to individuals between the ages of 18 and 65. This plan provides a lump-sum benefit amount between $25,000 and $2 million and valuable assistance services to help you and your family cope with the financial and non-financial challenges of more than twenty serious illnesses or conditions.
Individual Disabilty Insurance
The Professional Series: A disability insurance plan for high-income earners. The Professional Series policy is ideal if you are age 18 through 60 and work on a fee-for-service basis (doctor, lawyer or accountant), or are a non-salaried or salaried high-income professional or executive.
The Foundation Series: Total disability income protection for a wide range of occupations. The Foundations Series policy is ideal if you are age 18 through 60 and a small business owner or manager, Tradesperson (plumber, electrician, etc.), Middle-income earner (office worker or sales person) or Self-employed farmer.
Bridge Series: Affordable total disability protection with level premiums and numerous options. The Foundations Series policy is ideal if you are age 18 through 60 and a small business owner or manager, Tradesperson (plumber, electrician, etc.), Middle-income earner (office worker or sales person) or Self-employed farmer.
The Fundamental Series: A disability insurance plan for the self-employed, contract workers and employees without group disability coverage. The Fundamental Series policy is ideal if you are age 18 through 64* and are, a self-employed individual or contract worker, a retail worker, a construction worker, a tradesperson (plumber, electrician, etc.), a self-employed farmer or an individual without group disability coverage and or have a need to top up your existing coverage.
Retirement Protector: Keep saving for retirement even if you can't work. The Retirement Protector policy is a unique plan that helps you continue saving for retirement in the event of total disability. While available as a stand-alone policy, it is also the perfect complement to one of our other disability insurance policies.
Disability Business Protection
Business Overhead Expense: Designed to help businesses with owners/partners who actively generate income (such as physicians, lawyers, accountants and engineers) pay ongoing fixed expenses-like salaries, rent, property taxes and utilities-in the event that a partner or owner becomes disabled and is unable to work.
Key Person Protector: If an owner, co-owner or a key person became disabled, your business could be faced with the same financial situation as if the person had died-but no life insurance policy would pay out. However, with a key person disability insurance policy you could use the monthly cash benefit as working capital; to recruit, hire and train a replacement; to pay off debts; and much more.
Business Loan Protector Provides the extra financial security your business needs during a difficult time, while also protecting your family and the people who keep your business running. Three Types of Protection Under One Cost-Effective Plan. Life Insurance Coverage, Disability Insurance Coverage and Accidental Dismemberment Coverage.
Disability Buy Sell: If an insured owner or partner with your company were to become permanently disabled and be unable to continue working, the insurance proceeds of a buy sell disability insurance policy could allow the other owners or partners to buy the disabled owner or partner share of the business.
Life Insurance Business Protection
Buy Sell Life Insurance: If an insured owner or partner with your company were to die, the tax-free life insurance proceeds of a buy sell life insurance policy would allow the other owners or partners to buy the deceased's share of the business.
Key Person Life Insurance: If an insured key employee or owner were to die, the RBC Insurance key person life insurance policy would provide a tax-free cash payment that your business could use as working capital; to recruit, hire and train a replacement; to pay off debts; and much more.
Payout Annuities: In today's uncertain market environment, Payout Annuities provide you with guaranteed income for life or for a specific term so you can have the financial security you need to enjoy your retirement to the fullest.
Individual Variable Contracts: Benefit from the proven track record and world-class investment management of RBC Global Asset Management, one of Canada's top money managers.
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Beneficiary: The person who is to receive the insurance proceeds at the death of the insured. Originally known as widows and orphans.
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