Rate reduction program

​Rated clients can benefit from our rate reduction program and enjoy reduced rates on substandard premiums.

Products eligible for the rate reduction program

Traditional life insurance:

  • Whole life guaranteed 10 Pay
  • Whole life guaranteed 15 Pay
  • Whole life guaranteed 20 Pay
  • Whole life guaranteed to 65
  • Whole life guaranteed to 100
  • Term to 100

Universal life insurance:

  • Universal Life Term to 100

Participating whole life insurance:

  • Accelerated growth 20 Pay
  • Accelerated growth to 100
  • Estate enhancer 20 Pay
  • Estate enhancer to 100

Critical illness insurance:

  • Health priorities – 10 Pay
  • Health priorities – 20 Pay
  • Health priorities – Child, 20 pay
  • Health priorities – Business (EHP) (T75 and T100)