Starting March 30, 2026, traditional life insurance (term and whole life) will be integrated into the modernized experience, allowing you to perform self-service transactions in real time directly in your Advisor Centre. Along with modernization, changes are being made to some of the products. Review these changes now so you’re ready to adjust your sales strategies and support your clients more effectively.
Good news!
The T10 exchange option increases from 5 to 7 years from the contract effective date.
This enhancement strengthens our competitiveness while offering your clients greater flexibility to adjust their coverage at the most appropriate time for their situation.
Changes effective March 30, 2026
The protection options, riders, and additional benefits that are most used, most flexible, and most advantageous for clients have been maintained.
The table below lists the protection options, types of protection, riders, and additional benefits that will be discontinued as of March 30, 2026.
| Term Life Insurance | Whole Life Insurance | |
|---|---|---|
|
Protection Options Removed
|
– T10 and T20 R&C As basic coverage and as a rider under term & Whole Life insurance |
– Child Life & Health Duo |
|
Type of Protection Removed |
– Joint first‑to‑die coverage with 3 or more insureds | – Joint last‑to‑die, premium‑free at first death – Joint last‑to‑die with an uninsurable insured |
|
Riders and Additional Benefits Removed |
– Child Module Plus* – Accidental Death* – Accidental Death & Dismemberment* – Accidental Income Benefit – Hospitalization – Hospitalization & Home Care – Paramedical Care |
|
* Also removed for iA PAR
The changes will apply to all applications submitted on or after March 30, 2026. For more information, consult this document:
