NEW Term 20 Life Insurance

You and your spouse can each enjoy up to $2 million in coverage.

Coverage to age 90

Qualifying for life insurance may become difficult as you get older. Engineers Canada-sponsored Term Life coverage continues to age 90 so you can keep renewing your insurance without any additional medical tests required at the time of renewal. This means you can stay covered long into your retirement years regardless of how your health may change.

Up to 50% cash advance

If you are diagnosed as terminally ill with less than 12 months to live prior to age 85, you can apply to receive a cash advance of up to 50% of your Term Life Insurance amount (to a maximum of $200,000). This is called a Living Benefit. It is automatically added at no extra cost to Term Life plans that have been in effect for two years.

Not tied to your employer

Even if you're already covered at work, keep in mind that most employer plans end when you leave. Engineers Term Life is not tied to your employer so you stay protected even if you change jobs, retire or move to anywhere in the world.

We make it easy to budget for your family’s protection by offering the same guaranteed rate for 20 years. After your initial 20-year term, your policy will renew automatically for another 20 years, or up until age 90, when coverage expires. No new medical questions or exams needed at time of renewal, even if your health has changed.

Only pay for what you need with coverage available from $50,000 to $2 million. Available in $25,000 increments. Not sure how much coverage you need? Get an estimate with our Life Insurance Calculator.

Fast and easy approval: no medical tests are typically required if you’re age 50 or under for any amount of coverage when applying. The same goes if you’re age 51 to 55 applying for up to $250,000.¹

Non-smokers pay less: get a discounted rate if you haven’t used any form of tobacco or tobacco cessation products in the last 12 months.²

30-day trial: you can return your plan within 30 days of purchase, and any premiums paid for the coverage will be promptly refunded, no questions asked.³

To qualify, you must be a member of Engineers Canada who is:

• Legally qualified to practice, or was training for, the profession of engineering and registered as a member of one of the provincial or territorial associations constituting Engineers Canada or an affiliate organization, including professional engineers, geoscientists, technicians, technologists, architects; members-in-training; student engineers who were members of the Student Section in an association or order where such Student Section exists and who were within 24 months of their expected date of graduation from a program accredited by the Canadian Engineering Accreditation Board; members whose rights and privileges have been suspended, or suspended members; or retired members,
• A permanent full-time employee of Engineers Canada, the Ontario Society of Professional Engineers (OSPE), Genium360, BCSEG (British Columbia Society of Engineer's and Geoscientists), or one of the participating associations
• A member, including a member whose rights and privileges have been suspended, or a suspended member of the Engineering Institute of Canada who transferred his/her coverage to the Canadian Council of Professional Engineers plan as of June 1, 1979,
• Employed as a Forest Resource Technologist or Technician and who has registered as a member of the Applied Science Technologists and Technicians of British Columbia as of December 1, 2003; and whose membership in said association was transferred to the Association of British Columbia Professional Foresters effective December 1, 2003, or
• A limited licensee, being the holder of a limited engineering license, registered with one of the provincial or territorial associations constituting Engineers Canada or an affiliate organization, to practice professional engineering within a defined scope, or for specific acts only.
• A Canadian resident between the ages of 18 to 70 inclusive
• The spouse of an Engineers Canada member or employee⁴