Affordable life insurance with no medical exam!
Essential is ideal for healthy individuals looking for a cost-efficient whole life solution.
Product features
 Issue ages: 18-75
 Up to $4,000,000 in coverage
 No medical exam* for up to $499,999 in
 No waiting period
Online application
 Guaranteed premiums 
 Cash values
 Life Pay, 20-Year Pay, Pay to Age 65**
 Living benefit
 Transportation benefit: 200km/up to $2,000
 Learn more

*Restrictions apply
**Issue age for Life Pay: 
   Issue age for
 20-Year Pay: 18-70.
   Issue age for Pay to Age 65: 18-55.

 Accidental Fracture Plus
 Child Insurance Benefit (CIB)
 Critical Illness
 DI loan repayment option
 DI income replacement option
 DI coverage up to $3,000 ($1,500 for simplified issue)