Canada Protection Plan: Non-medical Whole Life Policies


Canada Protection Plan Whole Life policies are underwritten by Unity Life. Their whole life policies are divided into three categories.

1. Deferred life. Under the deferred life policy, the insured has to answer six health questions and the death benefit is limited to a return of premium plus 3% interest, if a death occurs by non-accidental means. If death occurs by accident, the payout begins immediately.

2. Simplified Life. Under this policy, the insured has to answer a total of 20 health questions, and the death benefit starts immediately with face amounts up to $50,000.00.

3. Simplified Life Plus Plan. Under this policy, the insured has to answer 22 health questions, but the death benefit on this policy starts immediately and amounts up to $75,000.00 are available.

All three policies require no medical tests and the insurance company will not contact your doctor. However, they will require that, the insured complete a brief phone interview. Plans are also available on a life pay or limited pay basis.

You can get additional details on Canada Protection Plan Whole Life non-medical plans by visiting our Non-medical Insurance Quote Page or contacting us at 1-866-899-4849.

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  • LSM Insurance
    February 21, 2011 at 9:45 am

    Thanks for the note Collen. Yes we can insure people with depression. We will you a separate email now. Regards,

  • colleen
    February 20, 2011 at 8:47 pm

    can we be insured in spite of having depression?

  • LSM Insurance
    January 31, 2011 at 12:47 pm

    Hi Bramha,

    Thanks for the note the premiums will depend on you date of birth, smoking status and the face amount of coverage.

    We’ll send you a separate email now. Regards, Lorne

    January 30, 2011 at 4:30 pm

    Need a quote for funeral expense plan.