ivari

Products & Services

• Term Life Insurance

  ivari Term Insurance is a temporary life insurance solution designed to provide affordable financial protection for a specified period. Coverage is available in 10-, 20-, and 30-year terms, helping protect your family, income, mortgage, business obligations or other temporary financial responsibilities. One of its most valuable features is the flexibility to renew your coverage automatically at the end of the term or convert it to an eligible permanent life insurance policy without providing new medical evidence, subject to the policy provisions. Coverage can also be customized with optional riders such as Critical Illness, Accidental Death & Dismemberment (AD&D), Children's Insurance and Waiver of Premium. Terms, eligibility, renewability, convertibility and optional benefits are subject to the provisions of the policy contract.

• Universal Life Insurance

  ivari Universal Life Insurance is a permanent life insurance solution that combines lifelong insurance protection with tax-advantaged investment opportunities within a single policy. It allows policyowners to build investment value while maintaining life insurance coverage, making it suitable for individuals, families and business owners seeking long-term financial security and estate planning solutions. One of its most valuable features is the flexibility to choose from a variety of investment options while adjusting premium payments within policy limits to help meet changing financial needs. Policy values, investment performance, charges and benefits are subject to the terms, conditions, limitations and exclusions of the policy contract.

• Critical Illness Insurance

  ivari Critical Illness Insurance is a living benefit insurance solution designed to provide a tax-free lump-sum benefit if you are diagnosed with a covered critical illness and meet the policy conditions. The benefit can be used for medical expenses, household costs, replacing lost income or any other financial need during recovery. One of its most valuable features is the flexibility to use the benefit however you choose, helping reduce financial stress while you focus on your recovery. Coverage options, covered conditions, survival periods, limitations and exclusions vary depending on the selected policy and are subject to the terms and conditions of the insurance contract.

• Simply Immediate Term Insurance

  ivari Simply Immediate Term Insurance is a simplified issue term life insurance solution designed for individuals who need affordable temporary life insurance with a fast and straightforward application process. Coverage is available in 10-, 20-, and 25-year terms, and applicants are not required to complete a medical examination. Instead, eligibility is determined through a simplified health questionnaire. One of its most valuable features is providing immediate life insurance coverage upon policy approval without a medical exam, helping clients obtain protection quickly while maintaining affordable premiums. Coverage options, eligibility, exclusions, renewability and conversion privileges are subject to the policy's terms and conditions.

• Simply Deferred Plus Term Insurance

  ivari Simply Deferred Plus Term Insurance is a simplified issue term life insurance product designed for individuals who may not qualify for immediate-issue coverage because of their health history but still require affordable temporary life insurance. No medical examination is required, and eligibility is determined through a simplified application process. One of its most valuable features is providing access to life insurance for clients with broader health considerations through deferred coverage provisions, helping make insurance available to more Canadians. Coverage is available in 10-, 20-, and 25-year terms. Waiting periods, benefit payments, renewability, conversion privileges and policy limitations are governed by the terms and conditions of the insurance contract.

• Simply Deferred Plus Term Insurance

  ivari Simply Deferred Plus Term Insurance is a simplified issue term life insurance policy created for individuals who may not qualify for traditional or immediate simplified coverage because of their medical history but still need temporary financial protection. The application process requires no medical examination and is based on a simplified health questionnaire. One of its most valuable features is expanding access to life insurance by offering deferred coverage for applicants with broader health challenges while maintaining affordable premiums and fixed-term protection. Available in 10-, 20-, and 25-year terms, the policy may also include renewal and conversion privileges, subject to the policy provisions. Waiting periods, benefit payments, exclusions and other conditions are governed by the insurance contract.

• T100 Simply Immediate Life

  ivari T100 Simply Immediate Life is a simplified issue permanent life insurance policy designed for individuals seeking lifelong protection without the need for a medical examination. Applicants complete a simplified health questionnaire instead of traditional medical underwriting, allowing eligible individuals to obtain coverage more quickly. One of its most valuable features is providing immediate lifetime protection with level premiums payable to age 100, helping clients secure permanent financial protection while avoiding the complexity of full medical underwriting. The policy includes a guaranteed death benefit and may also provide access to Maple Virtual Healthcare as a non-contractual benefit. Premiums, eligibility, exclusions and policy benefits are subject to the terms and conditions of the insurance contract.

• ivari T100 Simply Deferred Life

  ivari T100 Simply Deferred Life is a simplified issue permanent life insurance policy designed for individuals who may not qualify for immediate simplified life insurance because of their health history but still require lifelong financial protection. The application process requires no medical examination and is based on a simplified health questionnaire. One of its most valuable features is providing permanent life insurance to individuals with broader health considerations through deferred coverage provisions while maintaining guaranteed level premiums payable to age 100. The policy provides a guaranteed death benefit subject to any applicable waiting period and policy conditions. Coverage, exclusions, waiting periods and policy benefits are governed by the terms and conditions of the insurance contract.

• T100 Simply Deferred Life Plus

  ivari T100 Simply Deferred Life Plus is a simplified issue permanent life insurance policy that provides lifelong protection for individuals who may not qualify for immediate simplified life insurance because of their health history. The application process requires no medical examination and relies on a simplified health questionnaire. One of its most valuable features is offering permanent life insurance with deferred coverage provisions while expanding eligibility for applicants with more complex health circumstances, all with guaranteed level premiums payable to age 100. Death benefit payments, waiting periods, eligibility requirements, exclusions and other policy features are governed by the terms and conditions of the insurance contract.

• Annuities

  ivari Annuities are insurance-based income solutions designed to provide a predictable stream of income for a specified period or for life. They can help convert retirement savings into reliable payments, making it easier to manage everyday expenses and reduce the uncertainty associated with market fluctuations. One of their most valuable features is the ability to provide guaranteed income that can last for a fixed period or for the lifetime of the annuitant, depending on the product selected. Available options, payment guarantees, beneficiary provisions and other contract features vary by product and are subject to the terms and conditions of the annuity contract.

Location