Issue age - (age nearest birthday)
- Policyowner : between 18 and 65 years of age
- Child : 15 days to 25 years of age
Insured capital
- $5,000 , $10,000 or $20,000
- Fixed and guaranteed
Cost of coverage
- Fixed and guaranteed
- Ceases to be payable when the owner reaches the age of 65.
End of coverage
The earliest of:
- the 65th birthday of the owner
- when the insured child reaches the age of 25
- the date of termination or end of the policy
Characteristics
| Fracture | Insurance amount |
|---|
| Cranial region* | $5,000 |
| Spine (with the exception of the coccyx) | $5,000 |
| Pelvis (with the exception of the coccyx) | $5,000 |
| Femur | $5,000 |
| Ribs | $1,500 |
| Sternum | $1,500 |
| Scapula | $1,500 |
| Humerus bone | $1,500 |
| Kneecap | $1,500 |
| Tibia | $1,500 |
| Fibula | $1,500 |
| Larynx | $1,500 |
| Trachea | $1,500 |
| Bones not included above (including coccyx) | $750 |
*The cranial region’s bones are the frontal, the sphenoid, the ethmoid, the occipital are the parietal and temporal bones.
A benefit is payable for each fracture, provided that the fractures resulted from different accidents. The benefit is doubled in certain circumstances (e.g. accident aboard a public transportation vehicle). When multiple fractures result from the same accident, the company pays the highest applicable benefit.
No benefit is paid if the death occurs in the 30 days following the accident. The amount for a benefit paid will be deducted from the life insurance amount.
