Taking care of what counts
Permanent Life Insurance
Get lifelong coverage for you and your loved ones. Benefit from guaranteed, fixed premiums and more than one cash surrender value. The value that accumulates in your policy, which is based on the amount of insurance selected, the number of years the contract remains in force and the premium payment period. This value increases during the policy term. This cash surrender value can be used to secure a policy loan. If you are unable to repay the policy loan during your lifetime, it will be deducted from the death benefit payable to the beneficiary.
Advantage Series
Our made-to-measure insurance product. Choose from a range of options, including the duration of premium payments and several additional benefits.
Additional benefits
We offer several additional benefits to complement your insurance:
The Provider, monthly income for your loved ones
Guaranteed monthly payment term life insurance.
Helps you manage the family budget.
Allows for long-term planning.
10-, 20-, 25-, 30- or 35-year term life insurance rider
Covers a temporary need, such as a mortgage loan or protecting your family's standard of living (T10, T20, T25, T30, T35).
20-, 25-, 30- or 35-year fixed term critical illness rider (CIR 20, 25, 30 and 35)
Covers 25 illnesses, conditions and surgeries. Lets you breathe a little easier so you can focus on what really matters in the event of critical illness.
Children's life insurance rider
Covers your children as of 15 days following their birth.
Children’s critical illness rider
Covers 16 illnesses, conditions and surgeries.
Disability income benefit
Gives you peace of mind during difficult times and protects your savings.
Accidental fracture rider
Enables you and your family to meet additional expenses such as orthopedic equipment and physiotherapy costs.
Waiver of premiums in the event of the policyholder's disability
Waiver of premiums in the event of the policyholder's disability or death
Guaranteed insurability benefit
Accidental death and dismemberment rider
Convertible decreasing term to age 65 rider*
*Only available to members of the Quebec public service
100 % Pure Protection
Opt for complete coverage at a lower cost than term life insurance. You have the option of recovering 100% of premiums paid and adding several additional benefits.
See our leaflet (PDF - 271 KB)
Additional coverage
- Accidental death and dismemberment benefit
- Guaranteed insurability
- Waiver of premiums in the event of the policyholder's disability or death
- Disability income benefit
- The Provider, monthly income for your loved ones
- Fixed term rider
- Children's life insurance rider
- Succession Advantage included
- Children’s critical illness rider
- Accidental fracture rider
- 20-, 25-, 30- and 35-year fixed term critical illness rider
Horizon 50+
Are you between 50 and 75? inclusive? No medical exam is required to take out coverage. Simply answer 3 eligibility questions. Coverage may vary from $5,000 to $20,000 and the premiums are very affordable. Quick and easy coverage.
See our leaflet (PDF - 698 KB)
Application form (PDF - 699 KB)
Affirmative
Are you between 18 and 80 inclusive? No medical exam is required to take out coverage. Simply answer 4 eligibility questions. Choose the amount of insurance in increments of $2,500 up to a maximum of 10 units ($25,000). Quick and easy coverage for all ages.
See our leaflet (PDF - 880 KB)
Contact your La Capitale financial security advisor today or call us at 1 866 612-3473.
Do you work in the Quebec public service?
Find out more about the exclusive benefits offered to members of the Quebec public service
