Compare Life Insurance Plans

Life Insurance Plans Table

	RBC Simplified^® Term Life Insurance Get a Quote	YourTerm Life Insurance Get a Quote	Term 100 Life Insurance Call 1-844-340-3033	RBC^® Guaranteed Acceptance Life Insurance Get a Quote	RBC Universal Life™ Insurance Call 1-888-910-1345	RBC Growth Insurance™ (Participating Whole Life) Call 1-888-910-1345
Age Eligibility	Term 10 to 15: Ages 18-70 Term 16 to 40: Max issue age is age 85 minus the term	Term 10 to 15: Ages 18-70 Term 16 to 40: Max issue age is age 85 minus the term	Ages 18-85	Ages 40-75	Ages 0-85^Disclaimer4	Ages 0-80
Medical Exam	May not be required	Typically required	Typically required	No medical exam	Typically required	Typically required
^Disclaimer1
Ideal If You Want	Affordable, easy to buy term coverage that helps protect your family for a limited time (such as when your kids are young or you have a mortgage)	Substantial term coverage that helps protect your family for a limited time (such as when your kids are young or you have a mortgage)	Lifetime coverage to protect your family or to help your heirs pay capital gains tax on assets left to them	To leave a little something extra to your loved ones or help pay for final expenses	Lifetime coverage and the ability to save for the future in a tax-advantaged policy To be involved with managing the policy’s underlying investments	Lifetime coverage with cash value guarantees and the potential to earn dividends to help protect your family and estate The insurer to manage the policy’s invested assets
Coverage Amounts^Disclaimer3	$50,000 to $1,000,000* *Age 56 and older: up to $500,000	$1,000,001 to $25,000,000* *Age 56 and older: from $500,000	$50,000 to $25,000,000	$5,000 to $40,000	$25,000 to $25,000,000	$25,000 to $25,000,000
Coverage Timeframe	Varies: 10 to 40 years, with the option to renew for another term	Varies: 10 to 40 years, with the option to renew for another term	For life	For life	For life	For life
Tax-Free Death Benefit	Yes^Disclaimer2	Yes^Disclaimer2	Yes^Disclaimer2	Yes^Disclaimer2	Yes^Disclaimer2	Yes^Disclaimer2
Optional Benefits	Please contact us for more information.	Children's Term rider Accidental Death rider Joint-First-to-Die option Other optional benefits	Children's Term rider Accidental Death rider Joint-First-to-Die option Term 10 and 20 riders Other optional benefits	None	Children's Term rider Accidental Death rider Other optional benefits	Children's Term rider Accidental Death rider Guaranteed Insurability Benefit Other optional benefits
Other Features	Convert to whole or RBC Growth Insurance without medical evidence^Disclaimer5 Exchange Term 10 for Term 15, 20 or 30 without medical evidence^Disclaimer5 Additional coverage on top of the life insurance benefit in case of accidental death^Disclaimer5	Convert to whole or RBC Growth Insurance without medical evidence^Disclaimer5 Exchange Term 10 for Term 15, 20 or 30 without medical evidence^Disclaimer5	No	Compassionate advance due to terminal illness^Disclaimer5 Additional coverage of 5x the life insurance benefit in case of accidental death^Disclaimer5	Portion of premium is deposited into investment accounts of your choice, where money grows tax-advantaged	Policy builds future cash value and can earn dividends Juvenile Guaranteed Insurability Benefit

Premiums Guaranteed	Yes, the entire term. Premiums change at renewal but are guaranteed for entire renewal term.	Yes, the entire term. Premiums change at renewal but are guaranteed for entire renewal term.	Yes	Yes	Various terms and payment options^Disclaimer4	Yes
Premium Increases	Yes, after initial term is complete	Yes, after initial term is complete	No	No	Various terms and payment options^Disclaimer4	No
Timeframe to Pay Premiums	The entire term, up until age 100	The entire term, up until age 100	To age 100	To age 95	Various terms and payment options^Disclaimer4	10 years 20 years For life (up to age 100)

Cancelable Anytime	Yes	Yes	Yes	Yes	Yes (taxes and surrender charges may apply)	Yes (taxes may apply)
Money-Back Cancellation Period	30 days	10 days	10 days	30 days	10 days	10 days

Legal Disclaimer1)

Conditions may apply. Please contact us for more details.

Legal Disclaimer2)

Note that probate fees are applicable if you have not designated a beneficiary and the proceeds of your policy become part of your estate.

Legal Disclaimer3)

The level of coverage that you qualify for depends upon your personal situation (for example, your income and age).

Legal Disclaimer4)

There are different options available to you. Please contact us for more information.

Legal Disclaimer5)

Subject to certain terms and conditions.