1 For advisor use only Insurance Advisor Guide Term 10 and Term 20
2 2 RBC Insurance Many people day work hard at leading a healthy lifestyle. RBC Insurance recognizes that fact and offers insurance products that reward such people with preferred rates on life insurance. Our Term product takes good personal health, lifestyle and family hisry in account, which means people leading active lives may pay a lower premium that reflects their reduced risk. Preferred underwriting applies all face amounts of $250,000 or more and is divided in three classes. The health and lifestyle criteria for each of these classes are outlined in this guide. For face amounts of less than $250,000, our standard class offers very competitive rates for people of average good health and lifestyle. Clients who lead a healthy lifestyle will appreciate the great rates they can enjoy when purchasing our Term product.
3 Term 10 and 20 Insurance Advisor Guide 3 Term Life Our Term 10 and Term 20 premiums increase at every renewal date, and renewal rates are guaranteed. Coverage terminates on the anniversary nearest the insured s 80th birthday. Issue limits Minimum Face Amount Maximum Face Amount T10 $100,000 $25,000,000 T20 $100,000 $25,000,000 The illustration software allows you quote between $10,000,000 and $25,000,000; however amounts in this range are subject head office approval prior issue. For coverage over $25,000,000, please contact head office for a special quote. Issue ages (calculated using age nearest) Issue Ages T T Rate bands and combined banding Our cost of insurance rates are set based on the following rate bands that provide a rate reduction over the previous band: Term 10 and Term 20 Band 1* $50,000 $99,999 Band 2 $100,000 $249,999 Band 3 $250,000 $499,999 Band 4 $500,000 $999,999 Band 5 $1,000,000 $2,499,999 Band 6 $2,500,000 $9,999,999 Band 7 $10,000,000 + * The minimum initial coverage amount is $100,000. Band 1 rates are for coverage amount increases. Combined banding applies at issue, taking in account the combined coverage amount for which each insured life was underwritten. The applicable band is determined by grouping gether all individual coverage amounts with the same coverage date on the same life insured, including any term rider coverage on the same life. For example A policy is issued as a $500,000 joint coverage on the life of Jack and Jill, with a $500,000 term rider on the life of Jack and a $100,000 term rider coverage on the life of Jill. The joint life coverage will be underwritten and issued using the $500,000 band. Jill s term rider will be underwritten and issued using the $500,000 band because that s the closest band the $600,000 amount for which Jill was underwritten. Jack s term rider coverage will be issued with the $1,000,000 band. If a policy owner reduces his coverage amount after a policy has been issued with combined banding, we will adjust the applicable rate band accordingly. Similarly, if a policy owner cancels or reduces the amount of a term rider on the same life before the fifth policy anniversary, we will adjust the applicable rate band accordingly. However, if the policy owner cancels or reduces the amount of his term rider after the fifth anniversary, we will maintain the discounted rate band. For example Jack buys a $500,000 base plan with a $500,000 term rider on his own life; he is eligible for a $1,000,000 rate band for both the base plan and the rider. In policy year 3, he requests that we decrease the amount of this term rider $200,000. We must then adjust the applicable rate band for both the base plan and the rider $500,000. If Jack had waited until after the fifth policy anniversary reduce the amount of his rider, he could have preserved the discounted rate available him under the $1,000,000 rate band. Combined banding does not apply coverage increases underwritten and issued on a different coverage date, or coverage purchased in combination with other standalone plans. For example A policy is issued as a $500,000 joint coverage on the life of Jack and Jill. A year after issue, the owner adds a $500,000 term rider on the life of Jack and another on the life of Jill. Both term riders will be issued with the $500,000 band. They will not be bundled with existing coverage for banding purposes because they have a different coverage date than the base coverage. Individual coverages of less than $250,000 cannot be combined for the purpose of achieving a preferred class rate. If a policy owner initiates a coverage amount decrease or a partial conversion that reduces the band below $250,000, any applicable preferred class will be changed a standard class. For example Jack buys a $300,000 base plan with a $100,000 term rider; he is eligible for a preferred class for the base plan, but not for the rider. He later requests that we decrease the coverage amount of his base plan $150,000. The preferred class for the base plan will then be changed a standard class. Changes a coverage amount Changes a coverage amount can be applied for at any time, subject our administrative rules. Coverage amount increases For each increase the insured must submit evidence of insurability satisfacry us. Coverage amount increases cannot be less than $50,000. The premium for the new coverage
4 4 RBC Insurance will be calculated using premiums rates available at the time of the increase and the insured s attained age, class and risk classification as determined by us at the time of the increase. Coverage amount increases will be effective on the monthly processing day following our approval. Coverage amount decrease The minimum coverage amount decrease is $10,000; however the remaining coverage amount cannot be less than the minimum issue limit allowed on the base plan. The new premium will be calculated using the band which corresponds the coverage amount after the decrease. If the death benefit is reduced less than $250,000, then the standard class will be used determine the premium. If a coverage amount increase was previously approved and then a decrease is requested, the death benefit will be reduced sequentially starting with the most recently added coverage. Coverage amount decreases will be effective on the monthly processing day following the request. Premium payment method Your client may select either annual payment directly RBC Insurance or a monthly pre-authorized deduction from a bank account. For monthly premiums, multiply the annual premium by Policy fee Policy Fee (per policy) Annual Monthly T10 $40 $3.60 T20 $40 $3.60 Joint first--die option Available for 2 lives insured. The death benefit is payable on the first death, and coverage terminates at that time. If a second insured dies within 60 days of the first death, an additional benefit equal the coverage amount on the base policy will also be paid. Term 10 and Term 20 survivorship option The survivor of a joint first--die plan may convert their policy within 60 days of the first death without providing evidence of insurability. The survivor may convert any permanent life plan offered for conversion by RBC Insurance at the time of conversion. This option may only be exercised if the risk classification of all lives insured under the policy did not result in a multiple extra premium or a flat extra premium; the policy is in force and paid date and the conversion occurs prior each surviving life insured s attained age 71. Please see the conversion section for additional details. Conversions Term 10 and Term 20 are convertible until insurance age 71 any permanent life plan offered for conversion by RBC Insurance at the time of conversion. If converting a joint first--die plan, all the lives insured must convert at the same time, prior insurance age 71 of the oldest life insured under the policy. They can convert a joint permanent plan or several single-life plans. If the new permanent plan offers preferred classes and the conversion occurs within the first 10 policy years, the plan will be converted the risk class that is the closest equivalent in terms of selection criteria. Otherwise, the plan will be converted a standard class. The new plan will be issued at attained age rates. When a partial conversion is requested and a portion of the term coverage is retained, the premium rates for the remaining term coverage will be those of the applicable band. Preferred rates will not be applicable for the remaining term coverage if it is below the $250,000 minimum. Term 10 policy exchange option A Term 10 policy may be exchanged for a Term 20 policy that we offer at the time of exchange, without evidence of insurability. The exchange must occur prior the earlier of the fifth policy anniversary and the policy anniversary nearest the life insured s 60th birthday. If exchanging a joint first--die plan, all lives must exchange at the same time, prior the earlier of the fifth policy anniversary and the policy anniversary nearest the oldest life insured s 60th birthday. This policy can be exchanged for a joint Term 20 plan or several single-life Term 20 plans. The new plan will be issued at attained age rates. Please refer the sample contract for complete policy provisions. Riders and benefits Term 10 and Term 20 rider Instead of being issued as a stand-alone coverage, Term 10 and Term 20 can be added as a single-life or joint-life rider on all eligible life insurance plans without a policy fee. Coverage under the term rider ends at the earlier of the insured s 80th birthday or when the base plan terminates. The term rider can provide additional coverage for the life insured under the base policy, or it can be issued on a second life. If a person insured under a term rider survives the life insured under the base plan, the conversion privilege for the term rider will be extended 60 days from the death of the life insured.
5 Term 10 and 20 Insurance Advisor Guide 5 A Term 10 rider can only be exchanged for a Term 20 rider that we offer at the time of exchange. Children s term rider The children s term rider provides term life insurance protection for each natural or legally adopted child of a life insured named in the application and approved by underwriting. Any child born or legally adopted after the children s term rider is issued is aumatically covered from the age of 14 days upon written receipt by RBC Insurance of the child s name and date of birth. The premium for the rider does not change when additional children are insured. Each insured child may convert a new permanent policy, without evidence of insurability, for an amount of up 10 times the term rider coverage up a maximum of $150,000. RBC Insurance will reduce the annual premium for the new policy during the first five years by an amount up 20% of the annual premium. The conversion may be applied for in writing at any time after each insured child s 20th birthday, but no later than the coverage expiry date. Coverage under this rider expires 31 days past the policy anniversary nearest the insured child s 25th birthday. If the designated life insured under the base policy dies while this rider is in force, insurance under the rider will end and each insured child will receive a paid-up insurance policy for the amount of insurance provided by this rider. The paid-up insurance policy will continue until the policy anniversary nearest the child s 25th birthday. premiums including premium for the base plan, riders and policy fee. This starts with the first monthly premium due after the date tal disability began and while the life insured continues be tally disabled. This rider expires on the policy anniversary nearest the 60th birthday of the life insured under this rider. Issue ages: Rates as a % of premium waived: Female: 15%; male: 10% Payor death and disability waiver of premium benefit rider When the premium payor has been tally disabled for six consecutive months, we will waive the payment of the policy premiums. This will include the policy fee and rider premiums, starting with the first monthly premium due after the date tal disability began, while the payor continues be tally disabled. We will also waive the premium starting with the first premium due after the date the payor dies. This rider expires on the policy anniversary nearest the payor s 60th birthday. Issue ages: Rates as a % of premium waived: Female: 17%; male: 12% Please refer the sample contract for complete rider provisions and coverage exclusions. Issue ages: Minimum benefit: $5,000 Rate per $1,000: $6 Maximum benefit: 14 days 20 years $30,000 per child Accidental death benefit rider We will pay the accidental death benefit in addition the amount payable under the base policy when the death occurs as a direct result of an accident and takes place within 90 days of the accident. This rider expires on the policy anniversary nearest the life insured s 65th birthday. Issue ages: Minimum benefit: Lesser of sum insured and $25,000 Rate per $1,000: Female: $0.75; male: $1 Maximum benefit: Lesser of sum insured and $250,000 Total disability waiver of premium benefit rider When the life insured has been tally disabled for six consecutive months, we will waive the payment of policy
6 6 RBC Insurance Underwriting Tele-application makes it easier Our tele-application process is a popular alternative that makes the underwriting process as painless as possible for you and your clients. Experienced, professionally trained underwriters are used conduct the tele-underwriting questionnaire with insurance applicants. If there are any additional underwriting requirements, you do not need order them we will handle this step for you. Here s how the process works: Complete the short tele-application, including information on the proposed insured, coverage applied for and the best time call the applicant. There are no medical questions ask. Send the completed tele-application us in the same way that you submit your regular application business. Our New Business department will arrange with BW Underwriting have the teleinterview completed and the requirements ordered through Watermark Insurance. BW Underwriting will contact your client and conduct the teleunderwriting questionnaire. Please advise the applicant expect a call from BW Underwriting and inform them that this process will take between 20 and 30 minutes. Depending on the age and amount of coverage applied for, we may need other medical evidence (such as blood, urine, vitals, etc.) underwrite the application for insurance. In that event, one of Watermark s health professionals will contact the applicant book an appointment for the collection of outstanding requirements. To order the tele-application form, please contact your regional office. Selecting an underwriting class When selecting a premium at the time of application bind the Temporary Insurance coverage, you are required select the applicable standard smoker or non-smoker premium. Once RBC Insurance has determined the class applicable your client, any excess premium will be refunded if paid annually. Any excess premium will be applied future premiums if paid monthly. Standard classes For face amounts of less than $250,000, our standard smoker and non-smoker classes offer very competitive rates for people of average good health and lifestyle. Standard rates are also applicable clients who do not qualify for preferred classes. Substandard rates are available on standard classifications only. Standard non-smoker bacco use definition No use of bacco or bacco surrogates for at least one year, except an average of 12 large cigars per year or less*. Tobacco surrogates include marijuana or hashish, nicotine gum, transdermal nicotine patch, Zyban or other smoking cessation products, betel nuts, betel leaves, supari, paan, gutka and shisha. Cotinine levels, when tested, must be negative. Re-tests will not be permitted for 12 months. * Subject a negative urine test if one is required for age & amount; the cigar use is admitted on the application; and there are no existing health concerns that would be impacted by the use of any bacco or bacco products. Preferred and optimum classes Preferred and optimum underwriting applies for all face amounts of $250,000 or more. Preferred and optimum underwriting criteria are based on health and lifestyle questions. A strong emphasis is put on bacco use, health hisry, family hisry, build, blood test results, blood pressure, driving record and avocations. Our preferred and optimum underwriting criteria are summarized on the following pages. Optimum non-smoker Our optimum non-smoker class offers rates for people who exhibit superior health and a wholesome healthy lifestyle. Tobacco use The applicant has not used bacco or bacco surrogates for at least two years. Cotinine levels will be tested; no re-tests permitted. Height (feet) Weight (lbs) Optimum build 4'10" 4'11" 5'0" 5'1" 5'2" 5'3" 5'4" 5'5" 5'6" 5'7" 5'8" 5'9" 5'10" 5'11" 6'0" 6'1" 6'2" 6'3" 6'4" 6'5" 6'6"
7 Term 10 and 20 Insurance Advisor Guide 7 Key underwriting considerations for optimum class Blood pressure Ages Does not exceed 125/75 Ages Does not exceed 130/75 Ages Does not exceed 135/80 Ages Does not exceed 140/80 Ages Does not exceed 140/85 Ages (Term 100) Does not exceed 145/90 Cholesterol and cholesterol/hdl ratio Ages Does not exceed 210/4.5 Ages Does not exceed 210/5.0 Ages Does not exceed 220/5.0 Ages (Term 100) Does not exceed 235/6.0 Family hisry No parent or sibling has died from or been diagnosed with cardiovascular or heart disease, a stroke, cancer or kidney disease prior the age of 65. Personal hisry n Has no personal hisry of cancer, cardiovascular or heart disease n Has never been prescribed medication for high blood pressure or high cholesterol n Has no hisry of alcohol abuse or any drug use in the last 10 years, and no marijuana use in the last five years n Partakes in no rateable or excludable hazardous sports, no aviation except as a commercial pilot on a regularly scheduled airline and no rateable occupations n Has no hisry of driving while impaired or reckless driving in the last 10 years n Has not been convicted of more than one moderate moving violation in the last three years and no major violations in the last 10 years n Partakes in no rateable or excludable foreign travel or residence Preferred non-smoker Our preferred non-smoker classification offers rates for people with above-average health and lifestyle. Tobacco use The applicant has not used bacco or bacco surrogates for at least one year. Cotinine levels will be tested; no re-tests permitted. Preferred smoker Height (feet) Weight (lbs) Height (feet) Weight (lbs) Preferred build 4'10" 4'11" 5'0" 5'1" 5'2" 5'3" 5'4" 5'5" 5'6" 5'7" 5'8" '9" 5'10" 5'11" 6'0" 6'1" 6'2" 6'3" 6'4" 6'5" 6'6" Our preferred smoker class offers rates that are lower than our standard smoker rates for smokers with above-average health and lifestyle. Tobacco use The applicant has used bacco surrogates or bacco products other than cigarettes, cigarillos or marijuana, or has used more than 12 large cigars in the past year. Key underwriting considerations for preferred class Blood pressure Ages Does not exceed 130/80 Ages Does not exceed 135/80 Ages Does not exceed 140/85 Ages Does not exceed 145/85 Ages Does not exceed 150/90 Ages (Term 100) Does not exceed 155/90 Cholesterol and cholesterol/hdl ratio Ages Does not exceed 220/5.0 Ages Does not exceed 235/5.5 Ages Does not exceed 235/6.0 Ages (Term 100) Does not exceed 260/6.5
8 8 RBC Insurance Family hisry No more than one parent or sibling has died from or been diagnosed with cardiovascular or heart disease, a stroke, cancer or kidney disease prior the age of 65. Personal hisry n Has no personal hisry of cancer, cardiovascular or heart disease n Has never been prescribed medication for high blood pressure or high cholesterol n Has no hisry of alcohol abuse or any drug use in the last five years; if drugs used over five years ago, hisry must be standard n Partakes in no rated or excluded hazardous sports, no aviation except as a commercial pilot on a regularly scheduled airline and no rated occupations n Has no hisry of driving while impaired or reckless driving in the last five years n Has not been convicted of more than two moderate moving violations in the last three years and no major violations in the last five years n Partakes in no rateable or excludable foreign travel or residence
9 Standard and preferred term underwriting requirements To determine the applicable underwriting requirements, use the current amount of life coverage (all products) being applied for, plus the tal of all other life coverage issued, pending or applied for within the last six months with RBC Life Insurance Company. Age $0 $99,999 $100,000 $249,999 $250,000 $500,000 $500,001 $1,000,000 $1,000,001 $5,000,000 $5,000,001 $10,000,000 Over $10,000, IC IC IC IC and over Tele-App* or Full Application, Non-Medical 2 Tele-App* or Paramed, Vitals 3 Tele-App or Paramed, Urinalysis, Vitals 4 Tele-App or Paramed, Urinalysis, Vitals, ECG 5 Tele-App* or Paramed, Vitals, MVR 6 Tele-App or Paramed, Blood Profile, Urinalysis, Vitals 7 Tele-App or Paramed, Blood Profile, Urinalysis, Vitals, ECG 8 Tele-App or Paramed, Blood Profile, Urinalysis, Vitals, MVR 9 Tele-App or Paramed, Blood Profile, Urinalysis, Vitals, ECG, MVR 10 Tele-App or Paramed, Blood Profile, Urinalysis, Vitals, MVR, IR 11 Tele-App or Paramed, Blood Profile, Urinalysis, Vitals, ECG, MVR, IR 12 Tele-App or Paramed, Blood Profile, Urinalysis, Vitals, Stress ECG, MVR, IR 13 Tele-App or Full Application, Medical, Blood Profile, Urinalysis, ECG, MVR, IR 14 Tele-App or Full Application, Medical, Blood Profile, Urinalysis, Stress ECG, MVR, IR 15 Tele-App or Full Application, Medical, Urinalysis 16 Tele-App or Full Application, Medical, Urinalysis, MLQ 17 Tele-App or Full Application, Medical, Blood Profile, Urinalysis, ECG 18 Tele-App or Full Application, Medical, Blood Profile, Urinalysis, ECG, MLQ 19 Tele-App or Full Application, Medical, Blood Profile, Urinalysis, ECG, MVR, MLQ 20 Tele-App or Full Application, Medical, Blood Profile, Urinalysis, Stress ECG, MVR, IR, MLQ A paramedical nurse obtains the vital statistics. IC = Individual Consideration IR = Inspection Report MLQ = Mature Lifestyle Questionnaire (ordered directly by RBC Life Head Office) MVR = Mor Vehicle Report * For ages under 16 (under 18 in Quebec), if a tele-application is selected, the tele-interview will be conducted with the parents/guardians (turs in Quebec).
10 For more information please contact your MGA or your RBC Insurance Sales Consultant at or visit Underwritten by RBC Life Insurance Company / TM Trademark(s) of Royal Bank of Canada. Used under licence. VPS (11/2012)
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