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RBC Insurance®

RBC Insurance

RBC Insurance is one largest Canadian bank-owned insurance organizations, with over 4 million customers worldwide. RBC Insurance offers a wide range of personal insurance solutions, as well as retirement and investment plans.




We offer the following products from RBC Insurance:

Permanent Life Insurance

RBC Guaranteed Acceptance Life Insurance

No medical exam guaranteed coverage for people between the ages of 40 to 75. Coverage amounts range from $5,000 to $40,000. Accidental death benefit provides five times the base coverage in the event of an accidental death.

RBC Term 100 Life Insurance

Lifetime coverage for people ages 18 to 85 with benefit amounts starting at $50,000. Additional term 10 or 20 rider available to provide extra coverage for you or to get someone else covered. Premiums are guaranteed to stay the same for life, but premium payments cease when you hit age 100.

RBC Personal Accident Protection Plan

Available to people ages 18 to 69. Financial protection in the event of an accidental death. Coverage amounts range from $50,000 to $250,000. No medical exams are required to apply.

Term Life Insurance

RBC Simplified Term Life Insurance

No medical exam term life insurance with coverage amounts ranging from $50,000 to $500,000. Choice of coverage for 10, 15, 20 or 40-years.

RBC YourTerm Life Insurance

Term coverage available in 10, 15, 20 or 40-year terms with coverage amounts ranging from $1,000,000 to $25,000,000. This plan is convertible to a permanent policy without providing medical evidence. Exchange a YourTerm 10 plan for a YourTerm 15, 20 or 30 plans.

Disability Insurance

RBC Simplified Disability Insurance

For people ages 18 – 55 and are working a minimum of 30 hours per week. Tax-free monthly benefits: $500, $1,000 or $1,500 (75% of your gross monthly income is the maximum). No medical exams are required. Total disability benefits for two years if a covered illness or injury completely stops you from going to back to work.

RBC Disability Insurance Professional Series

For people ages 18 – 60. Choose benefits periods of two years, five years or age 65. Return to work assistance benefits – provides you with services that can help you get back to your job. Total disability benefits for two years if a covered illness or injury completely stops you from going to back to work.

RBC Disability Insurance Foundation Series

For people ages 18 – 60. Choose benefits periods of two years, five years or age 65. Total disability benefits – received a specified monthly benefit if a covered illness or injury completely stops you from going to back to work. Return to work assistance benefits – provides you with services that can help you get back to your job. Wavier of premiums during disability.

RBC Disability Insurance Bridge series

For people ages 18 – 60. Choose benefits periods of two years, five years or age 65. Long-term Care Conversion Option: From age 55 to 65, you can convert all or some of your coverage to long-term care insurance, without providing evidence of good health. Waiver of Premium During Disability: Your premiums will be waived if you are disabled and being paid monthly benefits.

iRBC Disability Insurance Quantum®

For people ages 18 – 60. Disability Benefits: Receive a specified monthly benefit if illness or injury reduces your ability to work and causes at least a 20% loss of earnings. Choose benefits periods of two years, five years or age 65. Return to work assistance benefits – provides you with services that can help you get back to your job.

RBC Disability Insurance Fundamental Series

Ages 18-64 (for illness coverage), Ages 18-69 (for injury coverage). Optional illness coverage. Choose benefits periods of two years, five years or age 70. Total disability benefits – received a specified monthly benefit if a covered illness or injury completely stops you from going to back to work. Partial disability benefits if you are only able to work part-time after a covered injury or illness.

RBC Disability Insurance Retirement Protector

For ages 18 – 55. The policy makes contributions to your RSP if an illness or injury prevents you from working. Depending on occupation, you can receive benefits for either 10 years or to age 65.

Critical Illness Insurance

RBC Insurance Critical Illness Recovery Plan

Available for people ages 18 – 65. Lump-Sum benefit ranges from $25,000 to $2,000,000. Coverage for over 30 critical illnesses. Choice of premium and term options. Assistance services – gives you access to health care resources that can help you and your family recover from the effects of your illness.

RBC Insurance Critical Illness Insurance Plan

Available for people ages 18 – 50. Lump-Sum benefits: $10,000, $25,000, $50,000 or $75,000. Covers the three most common critical illnesses: stroke, cancer and heart attack. Assistance services – gives you access to health care resources that can help you and your family recover from the effects of your illness.

3 Reasons to Choose LIFC:

  • We work directly with over 20 leading Canadian insurance providers

  • We are able to find the lowest premiums on the market

  • We offer a complete range of plans to suit any need and budget

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