Now, there’s a solution for every client.*
Have a previously or potentially declined client?
You have more options for your harder to insure, declined or postponed clients with Canada Protection Plan and our affordable, no medical1 life insurance and critical illness solutions. Use this competitive edge to take your business to the next level.
*For ages 18-80
Have a ‘harder to insure’ client?
Get up and running with Canada Protection Plan in 2 easy steps!
1. Register for eAccess and submit an EasyA-Z application!
The EasyA‑Z application is fast and easy. Using your new Canada Protection Plan advisor code, click here to register your code for eAccess.
Successfully registered for eAccess? Complete and submit your EasyA‑Z application now! Once approved, click here to access EasyA‑Z.
2. Track your business easily
Managing your Canada Protection Plan business is easy too. Login to BlueSun Advisor to track your business. Your login information will be provided when you’re contracted.
Canada Protection Plan and Primerica
A comprehensive suite of products for your clients
Your client should apply to Canada Protection Plan if they:
Don’t forget, payments start in the second month! (applicable to monthly payment plans). Your clients will love that.
How does Canada Protection Plan fit with your clients?
- A-Z Life Coverage for Harder to Insure clients:
- Express Elite Term Coverage for clients who are looking to travel:
- Critical Illness for clients seeking affordable and convenient coverage:
- eDelivery Guides:
E-Application
Why use a paper application when you can go the “e-route”? It’s faster and so is the issuing of policies. Save time and simplify your workday.
Canada Protection Plan’s Term Insurance Portfolio Consists Of 3 Distinct Plans:
DEFERRED ELITE TERM INSURANCE
Deferred Elite Term is available for up to $350,000 for periods of 10 years, 20 years or 25 years and is designed for your applicants with less serious health conditions. Those who were previously declined for insurance may qualify for this plan.
| Issue ages | 18–70: 10 year term 18–60: 20 year term 18–55: 25 year term 18–60: Decreasing 25 year term |
| Face amounts | Ages 18–70: $25,000–$350,000 |
| Level Term Periods Available | 10 year 20 year 25 year |
| Decreasing Term Periods Available | 25 year |
| Premium limitations | Minimum annual premium: $150.00 / Minimum monthly PAC premium: $15.00. |
| Renewable without evidence of insurability | Renewable to age 80* |
| Convertible? | Convertible to age 70* |
| Death limitations (in addition to typical suicide and misrepresentation clauses) |
The full coverage amount is payable if death occurs after two years or death is accidental. If death occurs in the 2nd year and is due to non-accidental means, then the death benefit is equal to 50% of the coverage amount. If death occurs in the first year and is due to non-accidental means, then the death benefit is limited to a return of premiums paid plus 3% simple interest. |
| Guarantees | Premiums quoted in the policy are guaranteed not to change for the life of the policy. |
| Optional additional benefits |
|
* 10, 20 and 25 year level term plans are renewable and convertible.
SIMPLIFIED ELITE TERM INSURANCE
Simplified Elite Term is one of the few no medical plans available which provides immediate coverage. This plan is available for up to $500,000 for periods of 10 years, 20 years or 25 years and is designed for people who are in relatively good health or engage in extreme sports, or do not want to take a medical exam or provide a doctor’s report.
| Issue ages | 18–70: 10 year term 18–60: 20 year term 18–55: 25 year term 18–60: Decreasing 25 year term |
| Face amounts | Ages 18–60: $25,000–$500,000 Ages 61–70: $25,000–$350,000 |
| Level Term Periods Available | 10 year 20 year 25 year |
| Decreasing Term Periods Available | 25 year |
| Premium limitations | Minimum annual premium: $150.00 / Minimum monthly PAC premium: $15.00. |
| Renewable without evidence of insurability | Renewable to age 80* |
| Convertible? | Convertible to age 70* |
| Death limitations (in addition to typical suicide and misrepresentation clauses) |
No limitations |
| Guarantees | Premiums quoted in the policy are guaranteed not to change for the life of the policy. |
| Optional additional benefits |
|
* 10, 20 and 25 year level term plans are renewable and convertible.
EXPRESS ELITE TERM INSURANCE
Express Elite Term has low rates for those in great health looking for No Medical life insurance. This No Medical plan offers up to $750,000 in coverage for ages 18-50 and up to $500,000 for ages 51-60. It is available as a Term 20 (ages 18-60) or Term 30 (ages 18-50). Coverage starts immediately and expires at age 80. If your client qualifies for Express Elite, they are pre-approved for Canada Protection Plan’s Critical Illness Insurance.
| Issue ages | 18–50: 30 year term 18–60: 20 year term |
| Face amounts | Ages 18–50: $100,000–$750,000 Ages 51–60: $100,000–$500,000 |
| Level Term Periods Available | 20 year 30 year |
| Premium limitations | Minimum annual premium: $150.00 / Minimum monthly PAC premium: $15.00. |
| Renewable without evidence of insurability on Term 30 plan for 20 years $100,000 | Renewable to age 80* |
| Convertible? | Convertible to age 70** |
| Death limitations (in addition to typical suicide and misrepresentation clauses) |
No limitations |
| Guarantees | Premiums quoted in the policy are guaranteed not to change for the life of the policy. |
| Optional additional benefits |
|
* 30 year level term plans are renewable.
** 20 year and 30 year level term plans are convertible to age 70.
Training Modules
eAccess and eDelivery Overview
Member Benefits
When your clients purchase insurance from Canada Protection Plan, the Insured becomes a member. Members have access to a suite of benefits2 they can use to help them live richer, fuller lives.
Foresters GoTM 3
It’s more than a wellness app. By living healthier lives and volunteering to causes, members can earn Rewards Points redeemable for electronics, gift cards and so much more.
Foresters MomentsTM
With Foresters Moments grants, members can create opportunities to enjoy meaningful interaction and make new friends while enjoying an activity together.
LawAssure4
Need a will, power of attorney or healthcare directive? Create one online at no extra cost. LawAssure makes it quick and easy for members to plan their estate.
Foresters RenewTM 5
Grants of up to $1,000 for courses to upskill and help members reach their career goals.
Foresters CareTM
A twice-a-year $200 grant that members can apply for to use to help their local communities. Think food drives, care kits, park clean ups, the list goes on!
Lifelong Learning6
An easy-to-use online library of courses that help members invest in themselves and learn new professional and personal skills.
Competitive Scholarships7
Hundreds of scholarships worth $2,500 per year, awarded to students who share Foresters passion for education and helping others.
Orphan Scholarships8
Up to $6,000 every year for four years to help kids who’ve lost either one or both of their parents with postsecondary education.
Orphan Benefit9
Regular monthly support up to $900 per child for kids under 18 who lose either one or both of their parents.
Community Volunteer
Members can apply for grants up to $2,000 to organize volunteeractivities in their community.
Foresters Member Discounts™10
Exclusive deals on online shopping and exciting outings like movie nights, theme parks and concerts.
Terminal Illness Loans
If a member becomes terminally ill, they may be eligible for to 75% of their coverage to help with financial needs.
Frequently Asked Questions
Will my Canada Protection Plan selling code be the same as my Primerica Solution Number?
Your selling code with Canada Protection Plan is the same as your Primerica Solution Number but with the prefix ‘PR’ in front of it.
(ie. Primerica Solution Number 123AN = PR123AN)
I’m contracted with Canada Protection Plan! How do I submit business?
Once your account is set up with Canada Protection Plan and you receive a confirmation email, you can register for our eAccess platform here.
Don’t forget to register using your new 7-character Canada Protection Plan selling code (starting with PR).
Once your registration has been approved, you can login here.
What products are available through Canada Protection Plan?
There are 3 main products available:
A-Z Life Coverage for declined and harder to insure clients
Express Elite Term for clients who are looking to travel
Critical Illness for clients seeking affordable and convenient coverage
How do I quote your products?
Once you determine eligibility, you can quote using our illustrator on eAccess.
I’ve submitted an application! How do I track pending business?
Login to BlueSun Advisor to track your business. Your login information will be provided when you’re contracted.
If you have any questions, please contact primericacontract@cpp.ca.
Who should I contact if I need help?
For product eligibility and eAccess: sales@cpp.ca
For contracting inquiries: primericacontract@cpp.ca
Click here to find your Canada Protection Plan Regional Vice President (RVP)
I have a question about compensation. Who should I contact?
Email: Canada_agencysupport@primerica.com
Phone
Future RVP Assistance Line 905-812-3520
RVP Assistance Line 1-888-473-7787
Our Dedicated Primerica Services
Emails:
Contract Set Up: primericacontract@cpp.ca
New Business: newbusiness@cpp.ca
Inforce: customerservice@cpp.ca
Underwriting Inquiry: underwriting@cpp.ca
Illustration/Sales Support: sales@cpp.ca
Contact your Canada Protection Plan Regional Vice President (RVP)
422772 CAN (08/24)
Legal
1Insurability depends on answers to medical and other application questions and underwriting searches and review.
2 Foresters Financial member benefits are noncontractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice or are no longer available.
3 Foresters Go is provided by The Independent Order of Foresters and is operated by dacadoo AG.
4 LawAssure is provided by Epoq, Inc. Epoq is an independent service provider and is not affiliated with Foresters. Some features may not be available based on your jurisdiction. LawAssure not available in the Yukon, the Northwest Territories and Nunavut. LawAssure is not a legal service or legal advice and is not a substitute for legal advice or services of a lawyer. Foresters Financial, its employees and life insurance representatives, do not provide, on Foresters behalf, legal, estate or tax advice.
5 Foresters Renew is administered by International Scholarship and Tuition Services, Inc. (ISTS). Eligible members may apply subject to the eligibility criteria.
6 Foresters Lifelong Learning Program is administered and delivered by The Training Company Inc.
7 This program is administered by International Scholarship and Tuition Services, Inc. Eligible members, their spouse, dependent children, and grandchildren may apply subject to the eligibility criteria. Please visit https://www.foresters.com/en-ca/foresters-difference/scholarships for further details.
8 Available to eligible members with an in-force certificate having a minimum face value of $10,000 or if an annuity, either a minimum cash value of $10,000 or a minimum contribution of $1,000 paid in the previous twelve months. Foresters may, at its sole discretion on the basis of documentary evidence submitted in support of the benefit application, deem the child an orphan for the purpose of this member benefit. Both parents or a single parent who is the sole provider for the maintenance and support of his/her children must be alive at the time of application of membership.
9 Available to eligible members with an in-force certificate having a minimum face value of $10,000 or if an annuity, either a minimum cash value of $10,000 or a minimum contribution of $1,000 paid in the previous twelve months.
10 Discounts are administered by BenefitHub Technology Canada Limited.
© 2024 Canada Protection Plan, CANADA PROTECTION PLAN and the logo are trademarks of Canada Protection Plan Inc., a Foresters Financial Company, No Medical and Simplified Issue Life and Critical Illness Insurance Underwritten by Foresters Life Insurance Company.
Foresters Financial, Foresters, Helping Is Who We Are, Foresters Care, Foresters Moments, Foresters Renew, Foresters Go and the Foresters Go logo are trade names and/or trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, ON, Canada M3C 1T9) and its subsidiaries.