An accident means the bodily injury occurring as a direct result of an accident and not as a result of any other cause while this rider is in-force


Age band

Optional insurance premiums are based on age bands and the cost of optional insurance depends on your age. Premiums increase as you move into the next age band.



A beneficiary means the named person or entity entitled to receive the applicable death benefit if you or an eligible dependent dies.



We offer a variety of insurance coverages.  Some, such as the principal insurance are standard features of your policy and are included automatically.  Additional benefits may be available.  An example of an additional benefit is the Accidental Death benefit.


Benefit schedule

The benefit schedule is a document detailing your insurance coverage under the plan.


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The co-insurance is the percentage of eligible expenses, which is payable after the deductible has been satisfied.



The deductible is the amount shown on the benefit schedule, which you must pay before we will pay benefits for any eligible expenses.



A dependent is an unmarried natural, adopted or step child who is entirely dependent upon you for maintenance and support and who is under 21 years of age (or under age 25 and attends a college or university full-time) or is physically or mentally incapable and became incapable while entirely dependent on you for maintenance and support while under the age of 21 or under age 25 and a full-time student at a college or university.


Effective date

The effective date means the date when insurance coverage begins, except for any changes to your policy after the policy has been issued.


Eligible dependent

An eligible dependent means the spouse and any dependent child who is insured under the policy.


Evidence of insurability

This may include medical, financial and family medical history information and other personal history information needed to approve your application for insurance.


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In-force means current insurance coverage for which premiums are being paid.



The policy is a contract setting out your insurance coverage including limits, waiting periods and exclusions.


Policy anniversary

The month and day every year that is the same date as your policy date.


Policy date

The policy date is the start date of your insurance policy.  This date is shown at the beginning of your policy under the heading, Policy particulars.


Policy year

The 12 month period that runs from one policy anniversary to the next policy anniversary.



The amount paid by a person to purchase and maintain an insurance policy.


Principal sum

The principal sum is the amount for which you or any eligible dependent are insured at the time of the accident.


Qualified physician

A qualified physician means a medical physician, duly licensed and practising medicine in Canada, who is not your or an insured person or any relative or business associate of either of them.



A policy rider is a provision or modification to an existing insurance policy that provides additional coverage to an insurance policy. Generally, policy riders are sold separately from insurance policies for an additional premium.



A sickness means any illness or disease, which first manifests itself while the policy is in-force.


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A spouse means your spouse by marriage or under any formal union recognized by law, or your partner of the opposite sex or of the same sex who is, at the time of application, the person publicly represented as your spouse for at least the twelve (12) month period preceding application.  Only one person at a time can be covered as your spouse under this policy.  This spouse must maintain the same principal residence as you.


Total disability

Total disability means that due to sickness or injury, you or your spouse are unable to engage in any occupation for which you or your spouse could reasonably qualify by reason of education, experience or training and are not employed elsewhere.