Canada Protection Plan Reviews! Find Out If They've Got The Goods!
We give Canada Protection Plan 4.5 stars, they are one of our top 8 picks for best life insurance companies in Canada. Underwritten by Foresters, Canada Protection Plan has developed a comprehensive suite of no medical life insurance products. These include term, whole life and a new, innovative critical illness offering.
James Heidebrecht - Founder of Policy Architects
Ok, So what is the Canada Protection Plan? It sounds like a Government program BUT it’s not!
If you haven’t heard of Canada Protection Plan (CPP) before, you haven’t been watching TV.
CPP is a mid-sized company operating in the Canadian life insurance market. But just because they’re mid-sized doesn’t mean they don’t punch above their weight.
Also known as Plan de Protection du Canada in Quebec, CPP insurance is the best-known simplified-Issue, no-medical life insurance carrier in the country. If you’re unfamiliar with non-medical or no exam life insurance, read my post here.
So without further adieu, I’m going to take a detailed look at Canada Protection Plan to help you decide if they’re a good fit for you.
Psst! As an aside, they are NOT to be confused with the Canada Pension Plan!
Breaking News! Canada Protection Plan expands no-medical critical illness insurance offering with four new innovative products, effective April 20th, 2020! See the updated products below…
A Word Or Two About Canada Protection Plan
When Canada Protection Plan entered the market in 1992, it provided only one No-Medical Life Insurance product. Now it offers a whole range of Simplified and Guaranteed Issue policies.
Based in Ontario, Plan de Canada Protection du Canada just opened its first office in Montreal, Quebec in December of 2019.
CPP insurance plans are best suited for harder-to-insure individuals, such as the elderly or people who are considered higher risk. They’re also ideal for healthy consumers who are in a hurry and want to secure coverage fast!
If you’ve ever seen a Canada Protection Plan insurance commercial, you know one of their big markets is simplified-issue term life insurance for senior citizens.
Does Canada Protection Plan's Founder Have a Heart of Gold?
Rumour has it, businessman and founder of Canada Protection Plan, David Slabodkin, is a do-gooder! Sources say he has quietly, consistently and generously supported a variety of causes in his community and beyond, for decades.
“Once again, David Slabodkin has demonstrated his unparalleled and unprecedented support for the health and wellbeing of our community,” Ted Smith, chair of the Brock Community Health Centre
Canada Protection Plan Financial Ratings
Hey James, great to know the CEO of Canada Protection Plan is a good guy but really, who cares ...the question is, will they be there when it's time for my family to make a claim?
Point taken. Let's take a quick look their financial situation.
Canada Protection Plan insurance is a privately owned corporation based in Toronto.
This business is about 25 years old, which gives it a “newbie” status in life insurance circles. In the last 10 years, CPP has grown substantially and now employs approximately 200 people.
If you’re concerned about this company’s longevity, don’t be!
Canada Protection Plan is underwritten by Foresters Financial, a giant in the North American Insurance Industry. They have assets of over $14 Billion and have been in business for over 140 years. More importantly, Foresters Canada maintains an A.M. Best financial strength rating of A (Excellent).
The good news doesn’t stop there! CPP life insurance is accredited by the Better Business Bureau (BBB) and has an A+ rating.
Now we’re talking!
Bottom line, you can sleep well at night knowing that your family is protected with Canada Protection Plan.
Canada Protection Plan Reviews - What Do Customers Think?
Canada Protection plan Insurance is rated 3.8 Stars out of 5 based on 44 Google reviews. That’s a great rating compared with other insurers!
It’s difficult to know how much weight to give bad reviews. To be perfectly honest, all insurance companies receive them.
It’s human nature. When you’re angry and motivated, you’re more likely to leave a negative review.
When your experience is positive, you’re less likely to write anything at all.
The Better Business Bureau & Glassdoor
The Better Business Bureau has no consumer complaints connected to CPP insurance currently.
Reviews from employees are good. Canada Protection Plan maintains 3.3 stars out of 5 based on 31 reviews on Glassdoor. That’s up from 2.9 a couple of years ago. Looks like they are definitely improving.
So how much stock should you put into Canada Protection Plan reviews?
That’s a great question! It suffices to say reviews shouldn’t be the only factor you use when deciding on a potential insurer. In fact, I would say it’s low on the totem pole because of people’s penchant for grumbling.
Canada Protection Plan Insurance Products
I really enjoy perusing the products, so here goes!
Canada Protection Plan is known primarily for their simplified-issue, no medical life insurance plans.
…but they also sell:
- Critical Illness
- Health & Dental
- and Travel Insurance
This company uses a lot of different names for their plans which is a little confusing but don’t let that scare you off! Canada Protection Plan coverage options are pretty straightforward! Basically, they offer Term, Permanent and Critical Illness coverage.
Let’s check our their options now!
Canada Protection Plan - Accelerated Term (NEW PRODUCT!)
CPP Express Elite Term Insurance
Canada Protection Plan’s Express Elite Term is a new product which was introduced in 2019. It’s designed for consumers in excellent health who want term coverage issued fast! This is an accelerated issue product rather than traditional no medical life insurance.
Term life insurance is hands down the best option for most people 90% of the time.
It’s the most affordable coverage for those looking to protect their income and their mortgage and is usually bought in 10, 20 or 30 year periods.
For example, if you have a family with young children, you may want to secure a 20 or 30-year term. This protects your loved ones during their most vulnerable periods.
Over the term of coverage, your monthly cost is guaranteed to never-go-up. When the term ends, your coverage expires. That means if you purchase a 20 year term policy for $80 per month, that cost is locked in for 20 years, guaranteed.
So basically you’re buying life insurance for the window of time that you need it most.
Undoubtedly the application process is quick. It’s typically completed in as little as 15 minutes and a policy issued within 72 hours
But that’s not all, CPP also claims that it has the best rates for simplified issue term life insurance up to $750,000!
NOTE* Eligibility for CPP Express Elite requires you have no health issues whatsoever
Benefits of CPP Express Elite Term Insurance:
- Available as Express Elite Term 20 or Express Elite Term 30
- Designed for healthy individuals with no insurability issues
- Eligible ages 18-60 for Term 20
- Eligible ages 18-50 for Term 30
- Renewable to age 80
- Convertible to age 70
- Child rider option
- Coverage amounts $100,000 – $750,000
Looking For A CPP Insurance Quote?
CPP - Simplified Issue Term Life Insurance
This is Canada Protection Plan’s original simplified issue term life insurance. It’s for consumers with moderate to serious health issues. This coverage available comes in 10, 20 and 25-year terms with face values up to $500,000.
CPP Simplified Elite Term
- Designed for individuals with moderate to serious health issues
- Eligible ages 18 – 70
- Available as term 10, 20, 25 & 25 year decreasing
- Coverage amounts $25,000 – $500,000
- NO waiting period, coverage starts immediately
- Conversion option – exchangeable for an eligible permanent plan of the same underwriting class without providing medical evidence up to the insured’s 70th birthday
CPP Deferred Elite Term
- Designed for individuals with moderate to serious health issues
- Eligible ages 18 – 70
- Available as term 10, 20, 25 & 25 year decreasing
- Coverage amounts $25,000 – $350,000
- one year waiting period
- Conversion option – exchangeable for an eligible permanent plan of the same underwriting class without providing medical evidence up to the insured’s 70th birthday
CPP - Traditional Term Life Insurance
CPP Preferred Term & Preferred Elite Term
- Designed for healthy individuals with no insurability issues
- Subject to underwriting & may require a medical exam
- Eligible ages 18 – 70
- Available as term 10, 20, 25 & 25 year decreasing
- Coverage amounts $50,000 – $1,000,000
- NO waiting period
- Conversion option – exchangeable for an eligible permanent plan of the same underwriting class without providing medical evidence up to the insured’s 70th birthday
Canada Protection Plan: Permanent Life Insurance
CPP Preferred Life, Preferred Elite Life & T100
- Designed for healthy individuals with no insurability issues
- Subject to underwriting & may require a medical exam
- Eligible ages 18 – 80
- Coverage amounts $50,000 – $1,000,000
CPP Simplified Elite Life & Simplified Elite T100
- Designed for healthy individuals with few insurability issues
- Eligible ages 18 – 80
- Coverage amounts $5,000 – $500,000
- NO waiting period
CPP Deferred Elite Life & Deferred Elite T100
- Designed for individuals with moderate health issues
- Eligible ages 18 – 80
- Coverage amounts $5,000 – $350,000
- 2 year waiting period: if death occurs from a non-accidental cause the premiums are paid back in 1st year. 50% of the death benefits paid if death is in 2nd policy year
CPP Deferred Life
- Designed for individuals with moderate to serious health issues
- Eligible ages 18 – 80
- Coverage amounts $5,000 – $75,000
- 2 year waiting period
CPP Guaranteed Acceptance Life
This is CPP’s guaranteed-issue life insurance product. It’s intended for people with serious insurability issues. So how does it work?
CPP Guaranteed Acceptance Life is a permanent product. There are absolutely no health exams or medical questions required to begin coverage.
I love it because anyone ages 18 – 75 can get this insurance! You can’t be denied!
If you’re newly diagnosed with a life-threatening illness or recently had a heart attack, you’re still eligible.
This is a good safety net for a small amount of debt or final expenses. So what’s the catch? Because you know there is always one or two!
- The maximum amount of protection is limited to $25,000
- There’s a 2-year waiting period. If death happens within the first 2 policy years due to non-accidental means (other than suicide), your beneficiaries will receive a refund of all premiums paid.
- It’s the most expensive coverage, for example, a 65 year old male will pay $216.86 per month for $25,000 of insurance
NOTE* There are carriers such as, Specialty Life, who sell this type of coverage as a graded plan. That means your monthly costs go up every 5 years over the life of the plan. I don’t recommend graded plans because they are unsustainable and there more affordable options on the market.
CPP No-Medical Critical Illness Insurance (NEW PRODUCTS)
CPP or Plan De Protection Du Canada as it’s known in Quebec, announced the introduction of four new no-medical critical illness insurance plans, effective April 20th, 2020!
All four of these plans are underwritten by Foresters life insurance company. They require no needles, no fluids and no physical tests to apply.
Did you know heart conditions and cancer represent the vast majority of all critical illness (CI) claims made in Canada? The 8 specific conditions that makeup 90% of all CI claims are:
- Heart attack
- Heart valve replacement or repair
- Aortic surgery
- Stroke
- Coronary artery bypass surgery
- Cancer
- Aplastic Anemia
- Benign brain tumour
More Accessible Coverage
Based on these statistics, Canada Protection Plan has decided to “unbundle” these conditions and make critical illness insurance more accessible and easy to apply for.
This means if you’ve previously been treated for cancer, you may still qualify for CPP’s cardiac coverage. Likewise, someone diagnosed with heart disease or diabetes can now apply for cancer coverage.
Or, you can purchase a plan that could potentially pay out twice: once for cardiac and once for cancer.
The majority of critical illness providers in Canada lump from 4 to 25 conditions in one policy. That means if you’ve suffered from one of these conditions in the past, you may be ineligible to receive protection for any of the remaining conditions.
Canada Protection Plan’s a la carte approach is their way of providing more Canadians with more access to a product that’s becoming increasingly popular. You can choose and pay only for the coverage you need.
What Is Critical Illness Insurance Anyway?
It’s true, we are living longer than ever before and approximately 50% of Canadians develop some form of serious illness in their lifetime.
Fortunately, as a result of advances in health care, many of us survive a critical illness. The question is, will our finances survive?
A critical illness benefit pays out a one-time, tax-free, lump-sum when you develop a serious illness as laid out in the definitions of your policy. You’re free to spend the money in any manner you wish. Whether it be replacing your income, extra medical equipment, or convalescence overseas.
CI has become quite popular as of late – but it’s a complicated product. If you’re trying to decide whether critical illness insurance is a good buy for you, you must read my post here.
Now, let’s check out Canada Protection Plan’s latest offering:
Cardiac Protect CI
- Available as Term to 75
- No exam, nurses or needles
- Covers 5 critical illnesses: Heart Attack, Stroke, Arotic Surgery, Heart Valve Replacement or Repair
- Issue ages 18-65
- Coverage amounts $10,000 – $50,000
- Claim – 1 tax-free payment
- Guaranteed level cost to age 75
- Optional Benefits – Accidental Death rider, Return of Premium upon death
- Premiums guaranteed for 5 years
Cancer Protect CI
- Available as Term to 75
- No exam, nurses or needles
- Covers 3 critical illnesses: Cancer, Aplastic Anemia and Benign Brain Tumour
- Issue ages 18-65
- Coverage amounts $10,000 – $50,000
- Claim – 1 tax-free payment
- Guaranteed level cost to age 75
- Optional Benefits – Accidental Death rider, Return of Premium upon death
- Premiums guaranteed for 5 years
Cardiac AND Cancer Protect CI
- Available as Term to 75
- No exam, nurses or needles
- Covers 8 critical illnesses
- Issue ages 18-65
- Coverage amounts: $10,000 – $50,000 per event
- Claim – 2 tax-free payments
- Reduced Premium after the first claims is paid
- Guaranteed level cost to age 75
- Optional Benefits – Accidental Death rider, Return of Premium upon death
- Premiums guaranteed for 5 years
Cardiac OR Cancer Protect CI
- Available as Term 20 or Term 75
- No exam, nurses or needles
- Covers 8 critical illnesses
- Issue ages 18-55 (term 20), 18-65 (term 75)
- Coverage amounts $10,000 – $100,000
- Claim – 1 tax-free payment (covers 1st event only)
- Guaranteed level cost for 20 years or to age 75
- Optional Benefits – Accidental Death rider, Return of Premium upon death
- Premiums guaranteed for 5 years
Canada Protection Plan Health and Dental Insurance
CPP Health and Dental Insurance
Canada Protection Plan doesn’t really offer their own health or dental insurance.
What am talking about? It’s not uncommon for insurance companies to set up deals with other carriers to offer a wider range of products. This is one of those situations.
CPP offers Manulife’s FlexCare and FollowMe Plans…
Plan Protection Canada Travel Insurance
CPP insurance offers travel coverage through Allianz Global Assistance.
It’s underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies.
The general rule is that you’ll need to buy emergency medical or evacuation insurance when going out of the U.S., Rick Garlick, a hospitality and travel expert with Magid Associates, tells CNBC Make It. “Insurance is much more necessary on international versus domestic trips, particularly ones you have to plan far in advance,” he says.
4 Times You Can Skip Travel Insurance and 3 Times You Should Buy It, CNBC
Canada Protection Plan Underwriting
The majority of Canada Protection Plan products are simplified-issue life insurance policies requiring no physical or medical tests.
This means they have lightening-fast underwriting so your insurance is typically approved in as little as 48 hours!
Cpp life insurance also encourages independent advisors selling insurance to speak directly with their underwriters if there are any eligibility questions or concerns.
Canada Protection Plan Regional Vice-President, Sales, Québec Centre, Alain Plante,
Canada Protection Plan & Diabetes
Can diabetics get life insurance? You Betcha...
....with Canada Protection Plan they can! If you have diabetes and are rated by a traditional carrier you stand an excellent chance of being approved with CPP.
What Type of Diabetes Do You Have?
When applying to traditional carriers, it’s not uncommon to get a rating of 150% or higher if you have type 2 diabetes.
This means you pay more money for your life insurance.
For example, if you’re a 55 year old male applying for $250,000 of Term 20 with Ivari insurance, a 150% rating translates into $223.54 per month.
If you qualify for CPP Simplified Elite Term, you pay $193.05 per month.
That’s roughly a 130% rating and 20% less than what you pay with Ivari or other traditional carriers.
NOTE* If your independent life insurance agent thinks you have a chance at a standard rate, it’s always worthwhile applying to traditional carriers. If you are already rated or don’t want the hassle of a drawn-out application process, CPP insurance is a great alternative.
Looking For A Canada Protection Plan Quote?
Canada Protection Plan Application Process
A Canada Protection Plan application requires NO fluids, NO tests, and NO forms.
However, you’re still required to answer about 30 very specific “yes” or “no” medical questions to qualify.
The more questions you answer “no”, the more affordable your coverage will be.
Like most insurers, CPP has an electronic application process. Personally, I think it’s one of the best in the business.
You can complete a Canada Protection Plan application easily with an advisor face-to-face or over the phone. If you choose to do it remotely, you’ll be required to complete an electronic signature. This is easily done through your computer or cell phone.
This is really handy, especially with COVID-19, because it allows you to complete the entire life insurance application process from the comfort of your home without anyone visiting.
Canada Protection Plan Application Questions
In no particular order, here are some examples of questions you can expect to see on a cpp insurance application:
- Are you currently a resident of a nursing home and are you bedridden or wheelchair-bound?
- Have you been admitted to a hospital for more than 48 hours within the past 30 days?
- Is your weight greater than that indicated for your height in the following build chart?
- Are you 55 or over and with the past two years, have you had treatment or surgery for or been diagnosed with angina, heart attack, coronary disease, heart bypass surgery, angioplasty, stent insertion, stroke or chronic lung disease?
- Do you have diabetes that is treated with insulin and the prescribed dosage has increased within the last six months?
- Within the past three years have you had, been told you have, or been treated for Lung cancer, colon cancer, breast cancer, cervical cancer, uterine cancer, malignant melanoma, leukemia, lymphoma or multiple myeloma?
- Have you lost 10% of your body weight or more within the past 12 months other than due to intentional dieting?
- Within the past year, have you been diagnosed or treated for, or are you currently under investigation for multiple sclerosis?
NOTE* MS does NOT disqualify you from CPP's most affordable, Tier 1 coverage.
Hey James - all this is fine but is Canada Protection Plan the right company for Me?
There's only one way to find out! Let's see how they stack up against the competition.
Canada Protection Plan Vs Industrial Alliance
Raj is a healthy 43 year old non-smoking male with Type 2 Diabetes. He’s a little overweight and his dosage of metformin has increased over the last 6 months. His insurance advisor has recommended he put some simplified issue coverage in place first before applying for traditional life insurance. The combination of his weight, diabetes and his recent change in dosage could result in a rating (he’ll pay more).
Fortunately, he qualifies for CPP’s most affordable coverage and purchases a $500,000, 20-year term, Simplified Elite policy for $115.20 per month.
….but he is also interested in checking out Industrial Alliance rates because he heard they may be cheaper.
Let’s check out their premiums now!
iA Financial Group: Access Life T20 Immediate Plus for $500,000 of coverage over 20 years is $121.05 per month
Taking a Closer Look
As you can see Canada Protection Plan is slightly cheaper than iA Financial. The CPP premiums will save Raj $5.85 per month or 5%.
So how much will he save over the life of the policy?
His overall savings with CPP insurance is:
Now, this is pretty great! Who wants to spend more money than they have to?
What will you do with $1,404 of savings?
NOTE* If Raj wants more than $500k of protection, it’s totally legal for him to purchase a policy from both carriers. That would provide him with a maximum of $800,000 of simplified issue term life insurance.
Other No Medical Life Insurance Companies in Canada
Canada Protection Plan is probably the best known no medical life insurance company in Canada. But there are other highly rated carriers who have offerings in this niche as well:
Canada Protection Plan Rates
 | ||
| Age | $250,000 | $500,000 |
| 35 Year Old Male | $45.68 | $85.95 |
| 35 Year Old Female | $31.05 | $56.70 |
| 40 Year Old Male | $47.48 | $89.55 |
| 40 Year Old Female | $40.05 | $74.70 |
| 45 Year Old Male | $69.08 | $132.75 |
| 45 Year Old Female | $53.33 | $101.25 |
| 50 Year Old Male | $119.25 | $233.10 |
| 50 Year Old Female | $85.05 | $164.70 |
| 55 Year Old Male | $193.05 | $380.70 |
| 55 Year Old Female | $133.43 | $261.45 |
| 60 Year Old Male | $319.95 | $634.50 |
| 60 Year Old Female | $211.95 | $418.50 |
| 65 Year Old Male | over age limit | over age limit |
| 65 Year Old Female | over age limit | over age limit |
*Quotes above are for CPP Simplified Elite Term 20, monthly, non-smoker. Your rates may differ depending on your unique circumstances. June 2020.
Canada Protection Plan Pros
Canada Protection Plan is a Niche Provider
What's the saying? Do one thing and do it well! CPP's narrow focus means they do a fantastic great job with No Medical Life Insurance!
Canada Protection Plan Application's Process EASY and FAST!
Hey, your time is valuable! Who wants to wait around, especially when there's no health exam or any forms to fill out.
Your independent advisor completes an electronic application with you in as little as 20 minutes. Heck, you can even do it over the phone!
Policies Issued Electronically
Canada Protection Plan Insurance has gone all digital! They will deliver your E-policy to you when and where you want it, via any device. Talk about convenience! CPP will also provide you with a hard copy if you request it.
No Fluids, No Paperwork & No Headaches When You Apply for a Canada Protection Plan Policy
I don't know about you, but if I don't have to get a needle or pee in a cup, it's a good day.
CPP Offers High Maximum Coverage Amounts
Within the simplified issue term life insurance niche, Canada Protection Plan has the highest maximum coverage amounts : $25,000 - $750,000
CPP is More Lenient With Higher Risk Conditions Than Traditional Life Insurance Companies
If you have or have had diabetes, heart trouble or cancer, it's possible that you still may be eligible for Canada Protection Plan's most affordable coverage.
CPP Offers the Longest Term No-Medical Life Insurance Coverage: 30 Years
Canada Protection Plan offers 30 Year Term Coverage - the longest term offered by any Simplified-Issue Carrier in Canada!
At Canada Protection Plan Quick Approvals Are the Norm
If you want speedy coverage, you've come to the right place! It's not unusual to have your life insurance approved and in force within 48 hours of completing a Canada Protection Plan application.
Widest Range of No Medical Life Insurance Products in Canada
With the addition of their new suite of no medical critical illness products, Canada Protection Plan has cemented itself as the premier carrier in the simplified issue term life insurance market.
Canada Protection Plan Insurance is Affordable
Plan Protection Canada is very economical compared with other Simplified Issue life insurance companies. This is especially true if you're looking for an affordable funeral insurance policy!
Access to Foresters Financial Member Benefits
Because Canada Protection Plan is underwritten by Foresters Canada, their member benefits are available to all policyholders (minimum face amount of $10,000):
- NEW – LawAssure – create custom wills, power of attorneys, and healthcare directives (replaces Legal Link on April 1, 2020)
- Competitive Scholarships – up to $8,000 for children AND grandchildren
- Terminal Illness benefits – up to $250,000 for insured
- Orphan scholarships – up to $24,000 for children
- Orphan benefits – up to $900 monthly for children until age 18
- Everyday money – financial counselling
- Well-being benefits
- Community Grants – up to $2,000 to run your own events
Canada Protection Plan Cons
No Medical Life Insurance Is More Expensive
If you're healthy, Canada Protection Plan's simplified issue term life insurance will be more expensive than medically underwritten coverage from traditional insurers. This is more of a knock against no exam insurance rather than just CPP. This is true for all carriers.
Canada Protection Plan's Traditional Term Insurance Is More Expensive
CPP insurance's Preferred Life Term insurance (fully underwritten) is more costly than many other traditional carriers term products.
Canada Protection Plan Offers a Limited Selection Of Products
James, you can't have your cake and eat it too!
I know this is a double-edged sword but that's why this icon's coloured orange NOT red!
Yes having a company that does one thing really well is good thing. There's definitely something to be said for specialization.
...and Canada Protection Plan is a GREAT company for that.
Even though I place a strong emphasis on niching down, I also think the range of life insurance products they have is limited. So this is worth mentioning!
Canada Protection Plan Does Not Have a Long History
Even though Canada Protection Plan is underwritten by Foresters Financial, they're still a private corporation that's been in business less than 40 years. As such, it's hard to find solid information from which to gage their financial health...
I am giving this an orange x because Foresters Canada is VERY solid.
Is Canada Protection Plan Right For You?
Well, that’s the question of the day. Does CPP have the right plan for you?
Remember, Canada Protection Plan is synonymous with no medical life insurance in Canada.
This coverage is ideal if you have serious health or insurability issues. Or, if you’re really healthy and in rush to get some affordable coverage in force. Many people overestimate the gravity of their medical condition with respect to life insurance.
BUT In most cases, you’re healthier than you think.
That being said, you should consider Plan Protection Canada if you:
- Have moderate or serious health issues
- Partake in Xtreme sports
- work a dangerous occupation
- Are REALLY afraid of needles and fluids
- Have visitor or non-resident status in Canada
- Are looking for a small policy to take care of your final expenses
- Received a Travel Exclusion with your traditional coverage
- Have no health issues and want life insurance FAST!
Call Us Now We Can Help!
Reach Out To Policy Architects today! We work with the BEST life insurance companies in Canada, including Canada Protection Plan. Let us help you save some serious cash and hassle!
Guaranteed or simplified issue term life insurance should always be your Plan B. Whenever possible, apply for traditionally underwritten coverage first before moving to a no medical life insurance plan. Usually, it’s more affordable.
This is why it’s so important to talk to an independent life insurance agent like Policy Architects. Canada Protection Plan may be the right carrier for you but then again, it may not be.
Click the button below to get a free quote or schedule a call here.
