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Welcome to your own virtual time capsule!

Preserve what you cherish

Fill your very own virtual time capsule that you can share with a friend or your future self! Much like how a time capsule preserves things you want future generations to see, NEW Alumni Term 10 Life Insurance can help you protect your family’s financial future. Plus, your affordable rates are preserved for 10 years, so you’ll pay the same rates for a full decade, regardless of any changes in your health.

Get a quote & enter to win $1000!†

When you get a quote for Alumni Term 10 Life Insurance, you're automatically entered to win $1,000 cash.

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Get a quote & enter to win $1000!

When you get a quote for Alumni Term 10 Life Insurance, you're automatically entered to win $1,000 cash.

new! Term 10 Life Insurance

Features and Benefits

  • Coverage amounts from $25,000 to $1 million
  • Your spouse is also eligible to apply
  • Premium is guaranteed to remain the same for 10 years, so lock in lower rates while you’re young
  • No medical underwriting upon renewal. Your coverage is guaranteed renewable up to age 85 – regardless of any changes in your health
  • The cash benefit is tax-free. In the event of your death, your beneficiaries will receive a tax-free benefit
  • 30-Day Money-Back Guarantee. If you are not completely satisfied, you may cancel your policy within 30 days of the issue date
download brochure
Why life insurance?

Certain life events triggers the need for life insurance. Which of these apply to you?

Term vs permanent insurance

Guess which type of life insurance offers more insurance for less cost

Term vs mortgage insurance

Did you know that there's an alternative to the insurance offered by your mortgage lender?

Your life insurance triggers
  • If you're single or divorced, who will take care of any obligations you may leave behind, including your aging parents and final arrangements?
  • If you're a parent, who will provide for your children’s daily needs and help pay for their post-secondary education?
  • If you're in a two-income household, how will your spouse face the challenge of paying for your joint financial obligations alone?
  • If you have a mortgage, who would continue to make the payments and help ensure your family has a place to live?
  • If you have debt, do you have enough coverage to go directly to your beneficiary instead of your estate — which creditors may access?

The difference. Term life insurance provides death benefit protection for a specified period of time (the “term”) and can be renewed. Permanent life insurance covers you for life and has an investment component.

The Price. Because term insurance is purely life insurance, its premiums are usually lower than permanent insurance. That's why it's a more affordable option for people looking strictly for income replacement in case of their death.

The Coverage The lower rates of term insurance allow you to buy more coverage than you could otherwise afford. In fact, households with all term insurance can replace their income for two years more than households with all permanent insurance.*

* Canadian Life Insurance Owership Trends, LIMRA, 2013.

Term Insurance Mortgage Insurance
You can purchase any amount to cover more than just your mortgage The insurance amount covers only your mortgage balance."
You name your own beneficiary and they decide what to do with the benefit amount. The bank is the beneficiary and the benefit goes directly to them.
Your coverage can stay the same throughout the term of your insurance. Your coverage goes down as you pay off the mortgage but your premiums stay the same.
Your insurance is not tied to your mortgage - so you can switch banks and keep the same coverage. You man not be able to transfer your insurance if you move your mortgage to another lender. You may have to requalify.
Your insurance protection remains in place as long as you pay your premiums. Your protection ends when your mortgage is paid off.

Thank you for entering the contest!

Here’s your quote...

Your Coverage

Your Premium

Apply Recalculate

or call 1-888-913-6333

Get a quote & enter to win $1000!†

When you get a quote for Alumni Term 10 Life Insurance, you’re automatically entered to win $1,000 cash.

or

Tell us the coverage amount you'd like and we'll quote your monthly premium. Or tell us the monthly premium you'd like to pay and we'll tell you how much coverage you can get.

Contest Entry

or call 1-888-913-6333

* Mandatory field

Non-smoker rates are available to people who have not used any form of tobacco, tobacco cessation products or marijuana in the past 12 months.

Information collected on this page will be used for the sole purposes of providing a quote and for administering this contest.

Why life insurance?

Certain life events triggers the need for life insurance. Which of these apply to you?

Term vs permanent insurance

Guess which type of life insurance offers more insurance for less cost

Term vs mortgage insurance

Did you know that there's an alternative to the insurance offered by your mortgage lender?

Your life insurance triggers
  • If you're single or divorced, who will take care of any obligations you may leave behind, including your aging parents and final arrangements?
  • If you're a parent, who will provide for your children’s daily needs and help pay for their post-secondary education?
  • If you're in a two-income household, how will your spouse face the challenge of paying for your joint financial obligations alone?
  • If you have a mortgage, who would continue to make the payments and help ensure your family has a place to live?
  • If you have debt, do you have enough coverage to go directly to your beneficiary instead of your estate — which creditors may access?

The difference. Term life insurance provides death benefit protection for a specified period of time (the “term”) and can be renewed. Permanent life insurance covers you for life and has an investment component.

The Price. Because term insurance is purely life insurance, its premiums are usually lower than permanent insurance. That's why it's a more affordable option for people looking strictly for income replacement in case of their death.

The Coverage The lower rates of term insurance allow you to buy more coverage than you could otherwise afford. In fact, households with all term insurance can replace their income for two years more than households with all permanent insurance.*

* Canadian Life Insurance Owership Trends, LIMRA, 2013.

Term Insurance Mortgage Insurance
You can purchase any amount to cover more than just your mortgage The insurance amount covers only your mortgage balance."
You name your own beneficiary and they decide what to do with the benefit amount. The bank is the beneficiary and the benefit goes directly to them.
Your coverage can stay the same throughout the term of your insurance. Your coverage goes down as you pay off the mortgage but your premiums stay the same.
Your insurance is not tied to your mortgage - so you can switch banks and keep the same coverage. You man not be able to transfer your insurance if you move your mortgage to another lender. You may have to requalify.
Your insurance protection remains in place as long as you pay your premiums. Your protection ends when your mortgage is paid off.