Welcome to RBC Insurance^® Guarantee Standard Issue^® Plan (also known as GSI^®)

Three Ways Income Could End:

Income Ending Event	Financial Solution
Person Dies During Working Years	Life Insurance
Person Retires and Out Lives Resources	Retirement Savings and Annuities
Person Becomes Disabled	Disability Insurance

The Foundation Series policy provides quality, low cost, income protection.

Renewal Provisions

Your Foundation Series policy is non-cancellable and guaranteed continuable until age 65. As long as the premium is paid on time, we cannot change your policy or adjust its premium rate until the first premium due date after your 65th birthday. After age 65, subject to change in premium rates, you may continue your Foundation Series policy for a Total Disability benefit with a reduced benefit period while you remain actively engaged full-time in a gainful occupation. When you are no longer actively engaged full time in a gainful occupation after age 65, you may continue your policy for the rest of your life but coverage will be limited to a Hospitalization Indemnity which will take the place of all other benefits under the policy. Please see your policy for a complete explanation.

Income Replacement Benefits

Total Disability, means that

	Due directly to injury or sickness you are unable to perform the important duties of your occupation; and
	You are not engaged in any gainful occupation; and
	You are receiving physician's care.

After the total disability benefit has been payable for 24 months, during any one period of total disability, then “total disability” means that:

	Due directly to injury or sickness, you are unable to engage in any gainful occupation for which you are reasonably fitted by education, training or experience, considering your prior economic status; and
	You are not engaged in any gainful occupation; and
	You are receiving physician’s care.

We may waive the requirement of physician's care from time to time if we receive written proof acceptable to us that further physician's care would be of no benefit to you.

While you meet the definition of total disability beginning on the commencement date.you will receive a monthly benefit for the duration of the benefit period of your policy.

Commencement Date

The commencement date is the date when benefits begin during a continuous period of disability, 90-720 days, as set out in your policy. Periods of disability from the same or related causes, separated by 12 months or less, will be accumulated and deemed to be continuous in order to determine the Commencement Date

Recurrent disability

If after benefits have become payable, a period of disability ends but you become disabled again within 12 months from the same or related causes, we will consider your disability a continuation of the prior period of disability. The benefit period will continue from the first day of such recurrence.

Presumptive total disability

If injury or sickness causes you to permanently lose your sight in both eyes, speech, hearing in both ears or use of two of your hands or feet, we consider you totally disabled whether or not you are able to work or require physician’s care. After the elimination period is satisfied, we will pay total disability benefits to the end of the benefit period.

Survivor benefits

If you die prior to your 65th birthday while receiving a total disability benefit, we will pay your designated beneficiary or your estate a survivor benefit equal to three times the maximum monthly benefit you were receiving at the time of your death.

Total Disability because of Cosmetic or transplant surgery

As long as your policy has been issued more than six months, if you become totally disabled as a result of cosmetic or transplant surgery, we will consider you totally disabled due to sickness.

Waiver of Premium

After you have been disabled for 90 days, we will waive your premiums while you remain disabled and refund those premiums paid during the first 90 days.

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Focus On Ability vs. Disability

Return-to-work Assistance Benefit

Starting from the first day of injury or sickness, we may provide some assistance in returning you to work or enhancing your ability to work or modifying your work-site.
Our assistance may include arrangement and/or payment for such services as:

	Medical Investigation and/or treatment;
	Physical rehabilitation services;
	Psychiatric and/or psychological rehabilitation;
	Vocational evaluation;
	Education and/or occupational retraining; and
	Job placement
	Financial and business planning;
	Ergonomic furniture and/or equipment;
	Mobility enhancing equipment; and
	Visual and/or audio devices.

The services must be approved by us prior to the costs being incurred, provided you are not entitled to payment of the costs from any other sources, and must assist you in returning to work or enhancing your ability to work. 

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Your premiums

Your premium amount will be set once your coverage is underwritten. The amount of your initial premium will be specified in your policy when it is issued.

While you remain employed with your current employer, premiums are payable monthly. If you leave your current employment and continue your coverage under this policy, you will then have the option of paying your premiums monthly or annually. The monthly premium will be calculated by multiplying the annual premium by 0.09.

If you wish to change from Smoker rates to Non-smoker rates after your policy is issued, or if you wish to reinstate your coverage after it terminates due to non-payment of premium, we reserve the right to request evidence of insurability satisfactory to us. A service fee may apply.

A grace period of thirty-one-days will be allowed for late payment of any premium.

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When Coverage Takes Effect

The Policy becomes effective when all of the following events have occurred: 

1.	The Policy has been delivered to the owner;
2.	All conditions for delivery to the owner have been completely satisfied; and
3.	There has been no change in insurability since the application was signed.

Integration of benefits

Your disability benefit will be reduced by the monthly amount, or monthly equivalent that you receive or are entitled to receive under any automobile accident insurance coverage.