Death benefit
A payment to the beneficiaries you choose, helping support their everyday needs and future plans.
Insurance options
Life insurance
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What your policy can cover
01 / 04 Your family
A benefit for your family
Choose your beneficiaries
Choose your beneficiaries and the share each person receives, with the ability to update your choices as your needs change.
Additional payment for accidental death
An extra payment to your beneficiaries following a fatal accident.
02 / 04 For you, too
Benefits for you during your lifetime
Total and permanent disability
Early access to part of your life insurance benefit for support following total and permanent disability.
Critical illness
A payment after diagnosis of an included critical illness, such as cancer or a heart attack.
03 / 04 Your mortgage
More than mortgage protection
Protection for your mortgage
You can choose a life insurance benefit to cover your mortgage balance, or a larger amount to also support your family.
A financial legacy for your family
Some policies keep the insured amount level while your mortgage balance falls. This can leave part of the benefit for your family after the outstanding loan is paid. We help you compare this option with the bank’s insurance.
04 / 04 Your future
Savings for your future
Cash value for future needs
Some policies build up money within the plan, known as cash value. You may be able to access part of it later for future needs.
How coverage can help
Support for your family’s future
Choose a benefit amount to help protect your family’s finances and future plans.
A serious accident or illness
Financial support for recovery expenses following a serious accident or illness.
How much life insurance do I need?
We help you determine an appropriate amount of coverage based on your family’s needs and future plans, then compare policies and premiums that fit your budget. We also explain how long you would pay and how long the protection lasts.
Should I choose term or universal life insurance?
Term life provides protection for a set period, often at a lower premium. Universal life combines life protection with money that can build up within the policy. We explain the differences, costs and payment commitments, then help you choose around your family’s needs.
Will I need a medical exam?
Not always. Some policies are available without medical exams. The requirements depend on the policy, the amount of protection and your individual circumstances. We help you understand what is needed and compare suitable options.
Understand
your options.
Good decisions start with understanding the details. These guides help you take the next step.
Find the right coverage.
Tell us what you want to insure. We’ll help you compare your options.
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