10 Year Term Renewable to Age 75
Provides level insurance coverage with premiums that increase every 10 years as the plan is renewed. Coverage can be provided until age 75.

Level Term to Age 75
Provides level insurance coverage with premiums that remain level and never increase. Provides coverage to age 75.

Level Term to Age 75 with Flexible ROP (Return of Premium)
Provides level insurance with premiums that remain level and never increase. Provides coverage to age 75. Flexible Return of Premium (ROP) is an option that becomes available when you reach the later of age 65 or the 10th policy year with no critical illness benefit having been paid and the policy still in force. The Flexible ROP benefit gives you the option to surrender the policy and receive 50% of the annual premiums paid on the in force volume, with the percentage of return proportionately increasing to a 100% return of premium at age 75.

1.

Within the last two years, have you had an application for individual life insurance or critical illness insurance rated, declined, postponed or had exclusions added by Wawanesa Life or any other company?

2.

Have you ever been treated for, diagnosed, consulted a doctor, received abnormal test results or experienced symptoms of the following:

1. Heart attack, congenital cardiac defects, angina, angioplasty, coronary artery bypass, congestive heart failure, stroke, transient ischemic attack (TIA), arteriosclerosis or any other cerebrovascular disease or disease of the heart or the blood vessels, or an abnormal electrocardiogram (EKG)?
2. Type 1 (insulin-dependent) diabetes or type 2 diabetes?
3. Cancer or other malignant disease, growth, tumour or colon polyp?
4. Multiple sclerosis or motor neuron disease?
5. Any breast disorders (mass, cyst, unusual discharge, physical change, abnormal mammogram or biopsy) or prostate disorders (nodule or abnormal PSA)?
6. Any eye or ear problems or diseases other than corrected by glasses, contact lenses or hearing aids?

3.

1. Have you consulted a physician for an illness or condition which has not yet been diagnosed or for which testing is still in progress?
2. b) Have you noticed any symptoms or health problems for which you have not yet consulted a physician, such as: lump or mass of the breasts, shortness of breath, chest pain, dizziness, loss of balance, numbness, rectal bleed ing, prostate or other problems?

4.

Have you ever tested positive for HIV or been diagnosed, treated for or had any indication of AIDS, AIDS related complex, liver or kidney failure, cirrhosis, chronic kidney disease, hepatitis B or C, or carrier of hepatitis B?

5.

Within the last five years, have you received treatment or been advised to seek treatment or medical advice because of your alcohol usage?

6.

Within the last five years, have you used: heroin, cocaine, hallucinogens or any other hard drugs other than as prescribed by a doctor, or methadone whether prescribed by a doctor or not, or have you received treatment or been advised to seek treatment or medical advice because of your drug usage?

7.

To the best of your knowledge, has one of your natural parents or siblings ever suffered from, or are suffering from heart disease, cancer, stroke or transient ischemic attack (TIA) prior to the age of 55?

8.

Does your weight exceed the weight indicated in the maximum weight table below?

Note: Must be a Canadian citizen or landed immigrant to be eligible for coverage