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Guaranteed Issue Life Insurance

Guaranteed coverage, no matter what your health or medical history

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Coverage for every age
and stage of life

Your insurance needs change over time. Major events like getting married, buying a home, having a baby or retiring can all increase the need for protection.


Having difficulty finding affordable life insurance because of your age or health?

If your medical history or age is making it difficult for you to obtain coverage, CAA Guaranteed Issue Life Insurance is the simple solution. Offering an affordable, guaranteed way for you to leave your loved ones an extra measure of security, this life insurance plan is available to Canadian residents aged 40 to 75.

As long as you meet the eligibility criteria, your acceptance is guaranteed, regardless of your current health.

CAA Member Exclusive Benefit: Your coverage will increase by 2 per cent every year – at no extra cost to you (for up to 25 years).

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Features & Benefits

  • Coverage amounts from $5,000 up to $25,000
  • Your approval is guaranteed, as long as you meet the eligibility criteria
  • No medical exams or questions when you apply
  • Insurance rates are locked-in forever and will not increase
  • Return of premiums with interest if you die from non-accidental causes within the first 2 years of coverage
  • Accidental Death Benefit increases your coverage by 5X if you die accidentally before age 85
  • Lifetime protection with no premium payments after age 95
  • Living Benefit cash advance - you could receive an advance of up to 50% of your coverage if you are diagnosed as terminally ill with 12 months or less to live
  • Includes Health Service Navigator® to help you make informed health care decisions*
  • Tax-free, lump-sum benefit paid to your beneficiaries

* The insurer cannot guarantee the availability of this benefit indefinitely.

Exclusions & Limitations

No benefit is payable under the CAA Guaranteed Issue Life Insurance Plan in the case of suicide, within two years of the effective date of the coverage. We will instead return all premiums paid, without interest. If death during the first two years of coverage is due to non-accidental causes (other than suicide), the benefit payable will be equal to all premiums paid plus 10 per cent interest compounded annually.

The Accidental Death Benefit is payable for an accidental death due to a bodily injury occurring before age 85. The bodily injury must be caused by external, violent and purely accidental means, and it must be independent of all other causes. The accidental death must occur within 365 days of the bodily injury. Accidental death does not include death which is caused directly or indirectly by one or more of the following causes: sickness, illness or bodily or mental infirmity or disease of any kind; suicide or self-inflicted injury; declared or undeclared war or any act of war, riot or insurrection, or service in the armed forces; any event directly or indirectly related to the ingestion of alcohol by you where the concentration of alcohol in your blood exceeds 80 milligrams of alcohol in 100 milliliters of blood; voluntary ingestion of poison, toxic substances or non-toxic substances or drugs, sedatives or narcotics (whether illicit or prescribed) in such quantity that they become toxic, or voluntary inhalation of a gas; from or while committing or attempting to commit a criminal offence, or committing or provoking an assault; medical or surgical treatment or complications arising therefrom, except when required as a direct result of an accidental bodily injury; participating in a contest of speed, scuba diving, skydiving, parachuting, hang gliding or bungee jumping, or a flight accident except when travelling as a passenger on a commercially licensed airline.

This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon final application approval. It contains important details concerning exclusions, conditions and limitations. It is important that you read your insurance policy when you get it to understand exactly what you are covered for.

Health Service Navigator® is offered through The Manufacturers Life Insurance Company (Manulife).


Guaranteed Insurance early stage

Single/ Recently Married/ Buying a Home

Help protect your loved ones' financial security.

Guaranteed Insurance mature stage

Married/ Young Family/ Own a Home

Help safeguard your growing family and financial obligations.

Guaranteed Insurance for kids

Established/ Kids in School/ Mortgage

Help protect your family's lifestyle and dreams for your children.

Guaranteed Insurance for retirement

Nearing Retirement/ Retiree

Help secure your assets, retirement nest egg and legacy.

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