Term to age 75 Life Insurance in Canada

Term to  age 75 Life Insurance in Canada

Term to age 75 life insurance offers level premiums up to age 75. The policy is renewable to a yearly renewable term after age 75 in some cases. It could also be converted to a permanent life insurance and this also depends on the insurance company’s policies.

Pros and Cons of  a Term to age as mentioned below


  1. Lower premium compared to permanent Plan
  2. A hybrid of Permanent and Traditional Term 10 or Term 20 life policies


  1. Only a few insurance companies offering term to 75 coverage. Hence not much competition to offer competitive price.
  2. People in their 50’s and 60’s benefit from term 10 or term 20 plan as wider choice and pricing available.
  3.  With the term to 75 policies ending at age 75 , it is difficult and costly to buy a new policy.

The following are premium values for $300,000 of coverage meant for a 40-year-old male, non-smoker on the Term to 75 Plan.

1. Industrial Alliance: $300,000.00 Term to 75 pick-a-term coverage is $90.99 a month.

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