RBC Life Insurance

When you need simple and affordable coverage for any need, RBC Insurance® offers a selection of both life and living benefits coverage on simple but customizable terms to help you supplement and safeguard your income against unexpected events.

With a wide variety of insurance plans offered by RBC Insurance, we invite you to learn more about the individual benefits of insurance under RBC Insurance.

RBC Term Life

More about RBC Term Life

A simple plan for simple needs shouldn’t be a hassle for a family in need. That’s why RBC® Insurance lets you choose the simpler path: affordable term life insurance. You also have the option to choose a term length of your choice and adjust the terms of your coverage at any time.

RBC Insurance offers the following Term Life insurance plans:

Type of Plan

Term Length

Eligibility

Benefits

RBC Simplified Term Life Insurance

10, 15, 20 or 40 years

Ages 18 to 70

Up to $1,000,000 in coverage. Convertible into a permanent policy without proof of insurability.

YourTerm Life Insurance

10, 15, 20 or 20 years

Ages 18 to 70

Up to $25,000,000 in coverage. Convertible into a permanent policy without proof of insurability. Optional riders available to maximize coverage.

RBC Term Life

RBC Permanent Life

More about RBC Permanent Life

Whether your needs are large or small, protection for life is a valuable tool to ensure that your final costs are prepared for. RBC offers both a robust permanent life insurance plan for traditional needs as well as a guaranteed acceptance life plan for individuals who need protection regardless of their health status.

RBC Insurance offers the following Permanent Life Insurance plans:

Type of Plan

Term Length

Eligibility

Benefits

RBC Guaranteed Acceptance Life Insurance

For Life

Ages 40 to 75

Up to $40,000 in coverage. No medical exams. Accidental death benefit provides five times the standard benefit amount.

Term to 100

For Life

Ages 18 to 85

Coverage starts at $50,000. Additional riders available to maximize coverage. Guaranteed premiums.

RBC Universal Life

For Life

Ages 0 to 85

Portion of premium payment is deposited into an investment account of your choice, where your money grows tax-free. Additional riders available to maximize coverage.

RBC Permanent Life

RBC Disability Insurance

More about RBC Disability Insurance

Whether you’re self-employed, work in an office, or you're a tradesperson, disability insurance is valuable at any stage in your career. RBC Insurance offers a wide selection of affordable disability life insurance plans that will protect your income after a facing a disability and allow you to focus on your recovery.

RBC Insurance offers the following Disability Insurance Plans:

Plan

Overview

RBC Simplified Disability Insurance

Available for people ages 18 to 55. Choose $500, $1,000 or $1,500 in monthly benefits. No medical exam required to apply.

Professional Series

Available for people ages 18 to 60. Provides total and partial disability benefits with coverage for 2 or 5 years or until age 65.

Foundation Series

Available for people ages 18 to 60. Provides total disability benefits with coverage for 2, 5 or 10 years or until age 65.

Bridge series

Available for people ages 18 to 60. Provides total disability benefits with coverage for 2 or 5 years or until age 65.

Quantum

Available for people ages 18 to 60. Receive a monthly benefit if an illness or injury reduces your ability to work and causes at least a 20% loss of earnings. Benefit periods: 2 or 5 years or until age 65.

Fundamental Series

Available for people ages 18 to 69. Only 3 questions to qualify for injury coverage. Optional illness coverage. Total and partial disability benefits with coverage for 2 or 5 years or until age 70.

Retirement Protector

Available for people ages 18 to 55. If an injury or illness prevents you from working, the plan will continue making contributions to your RSP. Benefit periods: 10 years or until age 65.

RBC Disability Insurance

Plan

RBC Simplified Disability Insurance

Overview

Available for people ages 18 to 55. Choose $500, $1,000 or $1,500 in monthly benefits. No medical exam required to apply.

Plan

Professional Series

Overview

Available for people ages 18 to 60. Provides total and partial disability benefits with coverage for 2 or 5 years or until age 65.

Plan

Foundation Series

Overview

Available for people ages 18 to 60. Provides total disability benefits with coverage for 2, 5 or 10 years or until age 65.

Plan

Bridge series

Overview

Available for people ages 18 to 60. Provides total disability benefits with coverage for 2 or 5 years or until age 65.

Plan

Quantum

Overview

Plan

Fundamental Series

Overview

Available for people ages 18 to 69. Only 3 questions to qualify for injury coverage. Optional illness coverage. Total and partial disability benefits with coverage for 2 or 5 years or until age 70.

Plan

Retirement Protector

Overview

Available for people ages 18 to 55. If an injury or illness prevents you from working, the plan will continue making contributions to your RSP. Benefit periods: 10 years or until age 65.

RBC Critical Illness insurance

More about RBC Critical Illness insurance

Recovering from a serious illness requires more than financial aid – it also requires access to medical services that can guide you on the path to recovery.

RBC Critical Illness Insurance offers not only financial assistance when you’re ill, but resources that can help you compare and choose the care services that will help you every step of the way.

RBC Insurance offers the following Critical Illness Insurance plans:

Plan

Overview

Critical Illness Recovery Plan

Available for people ages 18 to 65. Up to $2,000,000 in coverage. Coverage for 30 serious illnesses and conditions.

Critical Illness Insurance Plan

Available for people ages 18 to 50. Benefit amounts: $10,000, $25,000, $50,000 or $75,000. Coverage for three of the most common critical illnesses: cancer, heart attack and stroke.

RBC Critical Illness insurance

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RBC Life Insurance