(EN) Get your Term Life insurance quote
Provide your loved ones with $50k up to $25 million in coverage with rates starting at less than
$13/month.1
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Tell us about yourself
Life insurance premiums are based on the age you’re closest to. If you’re within six months of your next birthday, your age will be rounded up to the next year. If not, your current age will be used.
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For the purpose of this quote, please select the sex you were assigned at birth. We understand this may not reflect your preferred gender identity.
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Any form of Tobacco, other than one large cigar per month;
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Betel nut leaves, more than once per month; or
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E-cigarettes, vaping products, water-pipe, nicotine products or smoking cessation products ?
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Customize your coverage
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This is the total amount your beneficiaries will receive if you pass away. We recommend choosing the amount that could cover your family’s future financial commitments, such as mortgage, debt repayment, and tuition costs.
Your quote
Licensed advisors are here to help
Chat with advisors if you…
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Unsure whether you have enough that meet your needs
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Have unique health or family considerations
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Unsure about the cost and eligibility
You can also call us at 1-866-262-7922
(Monday to Friday, 9am – 8pm ET)
Still not sure?
What to expect for an online application
Complete within 15 minutes
Questions about your health and lifestyle to determine your eligibility
Credit card information for purchase
Top questions for term life insurance
Yes, but you must request the cancellation in writing. When your policy is delivered to you, you have a free look period to review it and cancel without any penalty—30 days for RBC Simplified Term Life Insurance and 10 days for RBC YourTerm Life Insurance. If you want to cancel inside this free look period, we’ll refund all premiums paid. After the 10 or 30 days, you can cancel your insurance however you will not receive a refund for the time the coverage was in place.
Yes. During the first two years of coverage, if death is due to suicide, then no benefit is payable. Also, if during the application process we are given incorrect or incomplete information, RBC Insurance has the right to deny the claim. This includes information regarding health, lifestyle or smoking habits.
The information above is intended as a summary only. For RBC Simplified Term Life Insurance, please see the additional disclosure information or a sample policy for complete terms and conditions, including benefits and exclusions. For RBC YourTerm Life Insurance, please see a sample policy for complete details on terms and conditions, including benefits and exclusions.
Once you are approved, your policy will contain a premium schedule that will show all premiums payable, including the renewal premiums that would apply at the end of your term. As long as you continue to pay your premiums, your coverage will continue at these rates.
Premiums are guaranteed for the life of the policy and will be specified in the policy schedule included in the insurance contract. Premiums remain the same for the term length selected. After that term length passes, premiums will renew annually.
Here’s an example to help illustrate how it works: A 25 year old female, non-smoker applies for $1,500,000 in coverage with a Term 20. Premiums are the same at $51.12/month for the next 20 years. At the end of the 20 years, the coverage will renew with premiums increasing year over year.
One of the differences between term life insurance and permanent life insurance is that term life insurance is intended to cover shorter term needs (such as protecting your income prior to retiring, a mortgage or loan, children’s education costs etc), whereas permanent life insurance provides coverage for your lifetime. Term life insurance is also generally lower in cost when compared to permanent coverage.
Why life insurance matters
Planning ahead with life insurance is a reliable way to meet your financial goals with safety, certainty, and ease, backed by the knowledge that you will:
Key features of term life insurance
30-day risk-free review period
If you purchase a policy and change your mind within the first 30 days after receiving it, we will cancel your policy and give you a full refund.
Rate based on a $100,000, Term 10 policy for a male, age 37, non-smoker. Plus sales tax where applicable.
Subject to policy exclusions.
Accidental Death Benefit is subject to the terms and conditions of the policy.
Exchange must occur prior to the earlier of the eighth (8th) policy anniversary and the policy anniversary nearest the life insured’s seventieth (70th) birthday or if the plan is a joint-first-to-die plan, the exchange must occur prior to the 70th birthday of the oldest life insured.
Exchange must occur prior to the earlier of the eighth (8th) policy anniversary and the policy anniversary nearest the life insured’s seventieth (70th) birthday.
Must be done prior to age 71. Subject to certain terms and conditions. Please contact us for complete details.
Note that probate fees are applicable if you have not designated a beneficiary and the proceeds of your policy become part of your estate.
Maximum Issue Ages and term length:
RBC YourTerm 10-15: Ages 18-70
RBC Your Term 16-40: Age 85 less selected term
Example: The maximum issue age for RBC YourTerm 25 is age 60 (85-25 = 60)
