Guaranteed insurability benefit

Issue ages (age nearest)

  • 24 hours to age 40

Coverage amount

  • Minimum: $10,000
  • Maximum: the lesser of $100,000 or 200% of the total insurance amount covering the insured

Amount that can be exercised at every option period

  • Up to the 100% of the amount initially selected.

Coverage cost

  • Fixed and guaranteed

Until the termination of the main coverage of the insured

Termination of coverage

The earliest of the following events:

  • on the insured's 45th birthday
  • when the 5th option is exercised
  • the date the main coverage on the contract is terminated
  • the death of the insured


The options may be exercised to purchase permanent, individual or joint life insurance coverage.

Products available when the option is exercised