- They have been deferred, postponed, or declined insurance for any reason;
- They have severe of terminal health issues that may render them otherwise uninsurable;
- They are a resident of Canada, even if you are a landed immigrant and otherwise not a Canadian citizen.
Premiums for coverage are determined by the applicant’s gender, date of birth, smoking status and coverage amount selected.
Premiums are not guaranteed and may be adjusted based on the expected experience for that risk group, but not more
frequently than once in twelve months.