FollowMe^™ Life Insurance

The FollowMe Life plan offers coverage from $25,000 to $200,000.

You are eligible to apply for the same amount of FollowMe Life coverage you had with your group life plan, or less. Your spouse is also eligible to apply for a coverage amount equal to or less than the coverage he or she had under your group life plan.

The FollowMe Life insurance plan is designed specifically for those whose group life coverage has just recently or will soon come to an end. If you are losing your group life coverage, FollowMe Life is a simple, economical way to ensure your family's continued protection.

The FollowMe Life insurance plan makes it easy to replace your group life insurance coverage. You are eligible to apply for FollowMe Life coverage - no medical questions asked -- if you are a Canadian resident between the ages of 18 - 69, not ill or injured when your group coverage ends, and you apply within 60 days of your group life coverage end date. However, after 60 days, your application will require medical underwriting.

With the FollowMe^™ Life insurance plan, you gain the added security of knowing that if you are diagnosed with a terminal illness with less than 12 months to live, you are eligible to receive a Living Benefit -- an advance of up to 50% of your coverage to a maximum of $50,000, provided your coverage has been in effect for at least two years. You can use the money however you wish - to pay medical expenses, to pay for time away with your family, to pay outstanding debts or settle your affairs - the choice will be yours.

When your FollowMe^™ Life application is approved, your coverage is guaranteed to continue until your 80th birthday - regardless of any changes in your health - as long as your premiums are paid. This gives you the added security of knowing that your life insurance will not be cancelled, even if health issues arise in the future.

Premiums are based on your attained age. Premiums are banded in primarily five year age bands (35 to 39, 40 to 44, etc.) until age 70 where premiums then increase annually. As you move into the next premium age band your premium will increase. The premium rates are not guaranteed and could change on any policy anniversary date.