Term 30

Term 30 is designed for the mortgage borrower market as well as clients interested in replacing their income in the event of death. Young families and professionals are the target market for this product.


Term 30 offers multi-risk preferred classes that provide insureds with access to premiums that are better adapted to their personal circumstances, including their state of health and their lifestyle. After 30 years, Term 30 renews every ten years in a Term 10 until age 85.

The Multi-Coverage Discount can be used to reduce the total premium and match the client's mortgage balance and needs by combining a Term 10 with the Term 30. The client's insurability is maintained and, at the end of each of the terms, they have the option to convert or even cancel the term coverage.