The Guaranteed Insurability Rider offered in the new version of critical illness insurance, Transition 6, launched on November 24, 2025, provides even more flexibility than the Increased Benefit Rider, which was already unique in the market.
Evolving coverage
In addition to retaining the purchase rights at the 5th and 10th anniversaries offered by the Increased Benefit Rider1, the Insurability Option now allows your clients to advance the exercise of each purchase right following one of these life events:
- Graduation2
- Marriage or civil union2
- Birth
- Legal adoption of a child (under 18 years old)
Thanks to this flexibility, your clients (young families, professionals and entrepreneurs) will benefit from coverage that adapts to their life events and growing needs.
Comparison table
|
Increased Benefit Rider |
Guaranteed Insurability rider |
|
| Purchase rights |
At 5th and 10th anniversaries |
|
|
– |
Possibility to advance the exercise of one or both rights following one of the life events mentioned above |
|
| Exercice of purchase rights |
Automatic at 5th and 10th anniversaries |
On request – The request must be submitted by the advisor or the client within 31 days following the 5th and 10th anniversaries of coverage or after a life event. Rights are non-cumulative. A right not exercised before or at the 5th and 10th anniversaries of the contract is lost. |
| Duration of rider premium payment |
Until the 10th anniversary |
Until the 10th anniversary or until the last right is exercised |
| Maximum increased amount |
50% of the insured amount for all critical illness coverages, not exceeding $250,000 per purchase right |
|
Protect your clients’ future at every level
The Guaranteed Insurability rider offers flexibility that meets the needs of a wide range of clients and gives you the opportunity to maintain regular contact, ensuring their coverage continues to be well suited to them after major life events.
A new document
It includes a case study and a chart that can be useful during your client meetings.
For more details:
If you have any questions, please contact your iA sales director.
1 Clients who have a health insurance policy with an increased benefits rider before November 24, 2025 will continue to benefits from the advantages offered by this rider.
2 Only one purchase right may be exercised following the insured’s graduation from college or university. The same rule applies in the event of the insured’s marriage or civil union.
