Life Insurance
What You Need To Know Before Applying For Coverage
The Life Insurance plan is available to members of the Canadian Veterinary Medical Association (CVMA) and their spouses.

Eligibility
Applicants must be under age 65 and residing in Canada. Employees must work full time (at least 20 hours per week)

Medical Evidence
Medical Evidence of good health is required when applying for benefits. Applicants must therefore complete the medical and financial information section on the Application Form. If further information is required, applicants will be notified.

Effective Date
Coverage becomes effective on the first of the month following approval of your application.

Principal Features of This Plan

• Competitive Premium Rates with male/female and smoker/non-smoker designations
• Conversion Privileges
• Living Benefit
• May be used as Mortgage Protection

Amount of Coverage
Available in units of $20,000 from a minimum of $20,000 to a maximum of $1,500,000.

Living Benefit
Is payable during the lifetime of the insured upon approval by Insurer. The payment represents 50% of the insured amount, up to a maximum of $50,000.

Conversion
You may convert the insurance without evidence of insurability within 31 days of the termination of your certificate to an individual life policy currently available at the prevailing rates for that individual policy provided:

• You are under the age of 65.
• The converted amount is not over $200,000 or less than $2,000.

Dependent Children Life
$10,000 per eligible child. No medical evidence required from children, but Member and Spouse Life Coverage must exist. Applications for this benefit are acceptable when Member first applies to Life benefit or within 90 days from the date the first child is born.