Canadian Insurance Program

The IAFF-FC is proud to offer an insurance program designed with the needs of Canadian IAFF members in mind. The IAFF-FC Insurance Division -- administered by SF&C Insurance -- has teamed with RBC Life Insurance Company to provide Canadian members with a variety of important insurance options. Scroll down the page for additional information on:

• Individual Term Life Insurance

• Disability Insurance

• Universal Life Insurance

• Long-Term Care Insurance

Call toll free 1 (866) 423-3757 for quotes.

Individual Term Life Insurance

Whether you have a short-term need or a long-term need, Term Life Insurance can give you the protection you want, for the time you need it, at the rates you want to pay. Term Insurance offers guaranteed, level premiums and the assurance of knowing that your premiums will not increase at any time during the selected term period.

• Competitive Rates for IAFF Members

• Face Amounts from $100,000 to $10,000,000

• 10- and 20-year Term Plans Available

• Guaranteed Renewable and Convertible

• Five Health Rate Classes

• Coverage Available to Retired IAFF members

• Family Coverage Available Spouse and Children

• Applications Processed Over the Phone

Sample Rates

Male, Age 45, Preferred Non-smoker class, $500,000 face amount

Disability Insurance

Disability Income protection insurance is designed to protect your employment income by providing a monthly benefit for a disability caused by either an accident or a sickness.

• 2-, 5-Year or to age 65 Benefit Period Available

• Monthly Benefit Levels from $300 - $3,500 (depending on employment income)

• 30-, 60-, 90-, 120-, 180- and 730-day Elimination Period Available

• Total Disability Benefit Waiver of Premium

• Future Purchase Option Benefit Available: This benefit provides the right to the policy owner to buy additional home care or facility and home care coverage without submitting medical evidence

• Cost of Living Adjusted Benefit Available: This benefit increases the monthly benefit on each anniversary date of an insured’s continuing total or partial disability

• Accidental Death and Dismemberment Benefit: This benefit provides an additional amount for specific losses due to accidental bodily injuries sustained by the insured and resulting in continuous disability

• Family Coverage Available for Spouse

• Applications Processed Over the Phone

Universal Life Insurance

Universal life insurance meets your insurance and investment needs in one convenient package. You can tailor your plan to fit your needs. Your investment earns interest in a tax-sheltered environment.

• Face Amounts of $50,000 to $10,000,000

• Two Death Benefit Options: The Level Death Benefit is equal to the amount of coverage you select and remains the same for the life of the contract. The Increasing Death Benefit is equal to the amount of coverage you select, plus the value of the funds in your investment accounts at the time of death.

• Level Term Cost of Insurance Options: The Level Term Cost of insurance is guaranteed to remain unchanged for the life of the contract.

• Additional Life Insurance Riders Available: Term 10, Term 20, Critical Illness, Accidental Death Benefit, Waiver of Premium, Long Term Care and more.

• Coverage Available to Retired IAFF Members

• Family Coverage for Spouse and Children

• Applications Processed Over the Phone

Long-Term Care Insurance

Long-term care insurance provides benefits to pay the cost of health and personal care services for those who become unable to care for him or herself. To ensure a comfortable future, it makes sense to purchase long-term care insurance. The basic coverage provides benefits to pay for health and personal care services for an insured person residing in a long-term care facility. You can also purchase additional coverage to pay for home care provided in the comfort of the insured person’s own home. Home care also includes help with everyday tasks, such as cooking, cleaning and shopping.

• 1-, 2- and 5-Year or Lifetime Benefit Period Available

• Daily Benefit Levels From $10 - $300: This level is the maximum amount payable per day when the insured qualifies to receive the benefits of the contract.

• Facility Care Benefit: This benefit pays when health or personal care services are required on a long-term basis in a long-term care facility.

• Home Care Benefit: This benefit pays the cost of medically necessary services for the insured that are recommended by a physician and provided by a licensed nurse, authorized employee of a health care agency or private caregiver.

• Cost of Living Adjustment Benefit: This benefit keeps inflation from eroding the Long-Term Care Benefit the insured receives for either facility or home care. The Daily Benefit will be increased up to 4 percent per year.

• Future Purchase Option Benefit: This benefit provides the right to the policy owner to buy additional home care or facility and home care coverage without submitting medical evidence.

• 0-, 60- or 90-Day Elimination Period Available

• Return of Premium Available

• Coverage Available to Retired IAFF members

• Coverage Available for Spouse

• Applications Processed Over the Phone

Content for this page provided by SF&C Insurance