The CCPE-sponsored Term Life Plan makes it possible to provide financial security to your loved ones - at a time when they may need it most. And thanks to the purchasing power of the more than 48,000 of your peers who are already insured under this Plan, the rates are kept low so you can afford the amount of protection your family needs.

We offer coverage from $25,000 up to $1,000,000 each for you and your eligible spouse, so you can choose the amount that best meets your needs. To find out how much Term Life coverage may be right for you, use our handy online calculator.

This cost-effective coverage can be the foundation of your family's financial security, or a valuable addition to any life insurance you may currently have. To find out how little this valuable coverage can cost you, get a free online quote now.

This Plan May Even Be Your Low-Cost Alternative to a Mortgage Insurance Plan.

Apply for the amount of the Member Term Life insurance you need to help your family meet your financial responsibilities, between $25,000 and $1,000,000. If your spouse contributes to your family's standard of living, also choose between $25,000 and $1,000,000 of Spouse Term Life insurance. (You must have or apply for Member Term Life coverage in order to apply for Spouse Term Life coverage for your spouse.) For your convenience, you can apply online now, quickly and securely, in the privacy of your home or office.

Enjoy Premium-Free Coverage in Your Later Years.

Following each of your 75th birthdays, the Insurance Continuation Benefit replaces your Member and Spouse Term Life coverage with up to $100,000 each in insurance, with no further premium to pay for the rest of your lives. Add the Insurance Continuation Benefit to all or part of the Term Life coverage you buy for just pennies more. Click here for details.

ADDED BENEFITS

• Living Benefit: If an individual insured for Term Life coverage is diagnosed as terminally ill with less than 12 months to live, the individual may apply to receive a cash advance of up to 50% of the Term Life death benefit (to a maximum of $200,000). This "Living Benefit" is paid directly to the individual. The Living Benefit is automatically added, at no additional charge, to Member and Spouse Term Life coverage that has been in effect for two years.
  
• Waiver of Premium: If you become totally disabled before age 65, coverage that is in effect may be continued and premiums waived after you have been totally disabled for three (3) continuous months, provided the insurer has received satisfactory proof of claim.

SPECIAL FEATURES

• Portable coverage. Unlike coverage you may have through your employer, this insurance moves with you if you change jobs or residence - anywhere in the world.
  
• Convenience. You can choose to pay your premium annually by cheque or credit card (VISA, MasterCard), or monthly by using the Pre-Authorized Collection plan (PAC) - whichever you find more convenient.

OTHER DETAILS

• Beneficiary. Subject to applicable provincial law, your beneficiary, unless irrevocably appointed, may be changed at any time by notifying us in writing. In Quebec, a spouse designated as beneficiary is irrevocable unless otherwise stated.
  
• Conversion. If you cancel your CCPE-sponsored Term Life Insurance you may, within 31 days, apply to convert your insurance to selected individual plans without an additional medical examination or extra health questions to answer. You simply pay the rates that apply to your age at the time of conversion. Contact us for more information.
  
• Limitations and Exclusions. Suicide within 2 years of the effective date of the insured's coverage, or any increase in coverage, is a risk not covered.
  

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