Compare Our Plans

Product Name  Term 10-Under $100,000  Term 10-
and up
Century Life  Whole Life 100  Easy Access®  Preferred Access® 
Issue Ages
Age range to be eligible for the product.
15 days-
65 years 
18-65 years  15 days-
70 years
15 days-
85 years
40-85 years 40-85 years
Face Amount
Total amount for which you are covered.
$25,000 - $99,999 $100,000
and up
$10,000 and up  $5,000
and up 
Up to $35,000 Up to $35,000
Term or Whole life?  Term life Term life  Term life  Whole life  Whole life  Whole life
Guaranteed Level Premiums
Premiums remain the same for the duration of the contract—they will not increase. 
Yes (for 10 years)  Yes (for 10 years)  Yes  Yes  Yes Yes  
Guaranteed Renewable
Able to renew your plan for a new term with no health questions or tests as each term expires. 
Yes, up to age 75  Yes, up to age 75 n/a  n/a  n/a  n/a
Able to convert the plan to a permanent Medavie Blue Cross product with no health questions or tests. 
Yes, up to age 65  Yes, up to age 65  n/a n/a  n/a  n/a
Medical Questionnaire
You are asked questions about your medical history to qualify. 
Yes  Yes Yes  Yes Yes  Yes 
Medical Exam
A doctor or nurse performs an examination. May include taking blood pressure, blood tests and/or urinalysis.
No*  Regular underwriting: No*

Enhanced underwriting: Yes 

No*   No*  No
Optional Riders available.  Yes Yes Yes Yes  Accidental Death only (included with coverage) Accidental Death only (included with coverage)
Cash Surrender Value
Amount of money to which you are entitled should you decide to end your contract. 
No  No  No  Yes (after 5 years) Yes (after 3 years) Yes (after 3 years)
Immediate Death Benefit
No waiting period before the death benefit is payable. 
Yes  Yes  Yes  Yes Yes   Yes
Minimum Premium Amount
Premiums vary based on how much insurance you want and whether you pay monthly or yearly. 

$10 per month or
$100 per year 

$10 per month or $100 per year  $20 per month or $200 per year  $20 per month or $200 per year (reduced for children)  $20 per month or $200 per year $20 per month or $200 per year
Underwriting  Regular  Regular and Enhanced  Regular Regular   Regular  Regular

*Some medical testing may be necessary based on age and face amounts.

Life insurance products can be complex. The product information included in this website provides a summary of product details only. Contact our Individual Sales line at 1-866-492-2583, e-mail us or have an advisor contact you.