Term life insurance

Affordable life insurance to protect your family’s financial future, for as long as you need.

What is term life insurance?

Term life insurance is a simple and affordable solution that provides tax-free payments in the event of death. This coverage is particularly helpful if you have a mortgage, or if you are a parent to young children and want to provide financial support for their needs until they are independent. This type of life insurance is specifically designed to protect your family’s financial security for a given period.


Because the period is fixed, you’ll benefit from higher coverage and lower premiums than permanent life insurance.


Your premiums and coverage won’t change for the entire term. At the end of the term, you can renew your coverage or choose another kind of insurance.


The coverage period can range from 10 to 40 years, which lets you choose insurance coverage that meets your changing needs.

The right coverage for you

Access Life

This term life insurance is designed for people who have difficulty getting insured, because of their age, their health or where they are from.

Offered for 15, 20 or 25 years.

Access Life is simple and easy to apply for because there is no medical exam required. You only have to answer a few questions about your current health condition.


Pick-A-Term is designed primarily for young families who have many financial commitments and who want to maximize their life insurance during the time when their children are financially dependent.

Offered for 10- to 40-year periods, based on your financial commitments.

Pick-A-Term is very flexible and covers all of your loans (mortgage, line of credit, car loan, etc.).

Compare our term life insurance products

Access Life Pick-A-Term
No medical exam
Fixed premiums
Guaranteed renewal
Option to convert to permanent life insurance Before age 71 Up to age 71
Coverage period 15, 20 or 25 years 10 to 40 years
Face amount Up to $500,000 Up to $10,000,000
Tax-free death benefit