Scotia Term to 100 Whole Life Insurance

Special Offer

Save 10% on first year premiums*

We offer preferred rates for eligible customers. Speak to a licensed advisor to learn more.

1-800-261-5923

Why consider Scotia Term to 100 Whole Life Insurance?

  • Provides guaranteed lump sum tax-free payout1

  • Peace of mind knowing that your premiums are guaranteed to remain the same for life

  • Your family can enjoy financial protection for your entire life

  • Apply for up to $20 million in coverage

Is this coverage right for me?

Scotia Term to 100 Whole Life Insurance is great for:

Individuals looking to leave a gift or legacy for loved ones or a charity

Individuals looking for help covering their final arrangements

Individuals looking for help covering taxes linked to their estate

Scotia Term to 100 Whole Life Insurance details

Scotia Term to 100 Whole Life Insurance

  • Permanent whole life insurance
  • Coverage from $25,000 to $20,000,000 (or from $10,000 for those between age 66 and 75)
  • Guaranteed level premium to age 100
  • Age eligibility to apply: 18–75
  • Canadian Resident
  • 10-day money back guarantee
  • Application process with a licensed insurance advisor
  • If approved, majority of policies issued within 5 days
  • Full underwriting

Scotia Term to 100 Whole Life insurance is underwritten and issued by The Empire Life Insurance Company and distributed by BNS Insurance Agency Inc.

What's not covered
Suicide is not covered during the first 2 years of coverage (or within 2 years after coverage reinstatement).

Ready to apply?

Phone

Speak to a licensed insurance advisor today for Scotia Term to 100 Whole Life Insurance
 

  • Apply for up to $20 million in coverage

Call us toll-free 
Monday to Friday
8 am - 8 pm ET

®
Scotia Insurance is a registered trademark of The Bank of Nova Scotia, used under license by BNS Insurance Agency Inc.
Scotia Term to 100 Whole Life Insurance is underwritten and issued by The Empire Life Insurance Company and distributed by BNS Insurance Agency Inc.

All insurance coverage is subject to certain limitations, restrictions and exclusions outlined in the applicable Policy of Insurance.

Coverage is currently not available in Nunavut.

*
To qualify for the Scotia Affinity Rate premium discount of 10% on premiums (“Scotia Insurance Affinity Rate”) in the first policy year of a Scotia Term Life insurance policy issued by Empire Life, you must be either (i) a customer or employee of The Bank of Nova Scotia, (ii) a customer or employee of another member of the Scotiabank group of Companies or (iii) a member or employee of SCENE+ loyalty program at the time you sign your insurance application. Scotia Insurance and/or The Empire Life Insurance Company may require additional information to validate your eligibility. This offer cannot be combined with any other offer and may be changed, withdrawn, suspended, or extended at any time without notice, subject to applicable law.
1
Premiums are guaranteed to remain the same to age 100. Premiums end at age 100 and the coverage remains in place for your lifetime.