The Details

Non-Participating Level Term Insurance

Who Is A Good Candidate For 20/20 Flex?

FlexTerm is a term life insurance product designed for people who are looking for an easy-to-understand product at an affordable price. It is also well suited for people looking to save by combining term life insurance with disability income.

FlexTerm life insurance is an ideal product to cover temporary needs such as the reimbursement of personal or commercial loans, income replacement, children's education, to create an emergency fund or more.


  • Term life insurance with level sum insured
  • Non-participating (no dividends are paid on the policy)
  • Simplified issue for sum insured of $499,999 or less (all answers to medical and lifestyle questions must be in the negative).
  • Full underwriting for ages 66 to 75.
  • Guaranteed level premiums for the term selected.
  • Renewable and convertible.
  • Possibility of extending the term between the policy's 2nd and 5th anniversary.
  • Available with smoker and non-smoker rates.
  • Available as an individual or joint first-to-die policy or as a rider. The rider is only available on an individual policy.
  • The terms and sums insured under the FlexTerm riders attached to the same policy may differ.

Issue Ages

  • FlexTerm 10 years 18 to 75 years of age
  • FlexTerm 15 years 18 to 70 years of age
  • FlexTerm 20 years 18 to 65 years of age
  • FlexTerm 25 years 18 to 60 years of age
  • FlexTerm 30 years 18 to 55 years of age
  • FlexTerm 35 years 18 to 50 years of age


10, 15, 20, 25, 30 or 35 years

Minimum Sum Insured


Maximum Sum Insured


Rate Banding

  • $50,000 to $99,999
  • $100,000 to $249,999
  • $250,000 to $499,999
  • $500,000 to $999,999
  • $1,000,000 +

Annual Fees

  • Policy $40
  • Rider $20

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