Taking care of what counts
Term Life Insurance
Over time, your insurance needs change, i.e. the birth of a child, paying for school, buying a car, buying a house. Our term life insurance products will cover you during this busy and financially straining time.
4 reasons to take out term life insurance
It's the most affordable type of life insurance.
You choose the type and term of your coverage: 10, 15, 20, 25, 30 or 35 years.
It can be converted to permanent life insurance without evidence of insurability.
You can use it to cover an immediate need.
Term Insurance Series
Get affordable coverage for your loved ones for a predetermined period (10, 15, 20, 25, 30 or 35 years). Prefer individual or joint term insurance? We offer several options as well as a number of additional benefits. Be sure to ask your advisor about it!
20.10 Protection
Do you know you need insurance in the short term, but aren't sure what your needs will actually be in 10 years? With 20.10 Protection, you'll be covered for 20 years, with the possibility of terminating your contract after 10 years. At that time, you can recover the excess premiums paid. Several additional benefits are also available.
See our leaflet (PDF - 876 Kb)SimpliLife
Simple, flexible and affordable! Starting at just $7.80 per month, SimpliLife's guaranteed, fixed premium will never go up. You can insure your children under 18 and they will be covered until the age of 30. No medical exam is required to take out coverage.
See our leaflet (French only) (PDF - 433 Kb)
Application form (French only) (PDF - 258 Kb)
The Provider, monthly income for your loved ones
Leave your loved ones guaranteed, non-taxable monthly income rather than a lump-sum inheritance. Help your family manage the budget after you are gone. For even more coverage, we offer several additional benefits.
See our leaflet (PDF - 999 Kb)
Contact your La Capitale financial security advisor today or call us at 1 866 612-3473.
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
To cover a temporary need, such as a mortgage loan or to maintain 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
Do you work in the Quebec public service?
Find out more about the exclusive benefits offered to members of the Quebec public service
