Coverage ends

Term Life Insurance

Your coverage ends:

  • upon termination of the Group Policy;
  • the date you terminate coverage under the Plan;
  • on your 75th birthday;
  • on the premium due date, if you fail to pay premium, subject to the grace period;
  • the date you cease to reside in Canada;
  • the date you die.

Your spouse’s and dependent’s coverage ends:

  • the date your coverage terminates under the Plan;
  • on your spouse’s 75th birthday;
  • the date your spouse ceases to reside in Canada;
  • the date your spouse dies;
  • the date your spouse or dependent is no longer eligible or no longer meets the definition.

Critical Illness Insurance

Your coverage ends:

  • upon termination of the Group Policy;
  • the date you terminate coverage under the Plan;
  • on your 70th birthday;
  • on the premium due date, if you fail to pay premium, subject to the grace period;
  • the date you cease to reside in Canada;
  • the date you die;
  • the date a Critical Illness benefit is paid for a covered condition which you sustain.

Your spouse’s coverage ends:

  • the date your coverage terminates under the Plan;
  • on your spouse’s 70th birthday;
  • the date your spouse ceases to reside in Canada;
  • the date your spouse dies;
  • the date your spouse or dependent is no longer eligible or no longer meets the definition;
  • the date a Critical Illness benefit is paid for a covered condition which your spouse sustains.

Accidental Death and Dismemberment Insurance

Your coverage ends :

  • upon termination of the Group Policy;
  • the date you terminate coverage under the Plan;
  • on your 70thbirthday;
  • on the premium due date, if you fail to pay premium, subject to the grace period;
  • the date you cease to reside in Canada;
  • the date you die.

Long Term Disability Insurance

Your coverage ends:

  • upon termination of your Group Policy;
  • the date you terminate coverage under the Plan;
  • on your 65th birthday;
  • on the premium due date, if you fail to pay premium, subject to the grace period;
  • the date you cease to reside in Canada;
  • the date you die.

Extended Health Care and Dental Care Insurance

Your coverage ends:

  • upon termination of your Group Policy
  • the date you terminate coverage under the Plan;
  • on your 75th birthday
  • on the premium due date, if you fail to pay premium, subject to grace period
  • the date you cease to reside in Canada;
  • the date you die.

Your dependent’s coverage ends

  • the date your coverage terminates under the Plan;
  • on your dependent’s 75th birthday
  • the date your dependent ceases to reside in Canada;
  • the date your dependent dies;
  • the date your spouse or dependent is no longer eligible or no longer meets the definition.

Professional Overhead Expense Insurance

Your coverage ends:

  • upon termination of your Group Policy;
  • the date you terminate coverage under the Plan;
  • on your 65th birthday;
  • the date you are no longer actively at work;
  • the date you no longer have Long Term Disability Insurance coverage;
  • on the premium due date, if you fail to pay premium, subject to the grace period;
  • the date you cease to reside in Canada;
  • the date you die.