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Leaving your job soon? Stay covered quickly and easily.

Are you losing the life insurance plan you’ve enjoyed through your job? Maybe it’s because you’re leaving for another job, starting your own business or retiring. No matter what the reason, FollowMe Life Insurance can help.

What is FollowMe Life Insurance?

If you want to make sure you don’t go without life insurance for any period of time after your work plan ends, FollowMe Life can be the solution - so your family’s financial future can remain secure.

Plus, if you apply within 60 days of losing your work plan, you will not have to complete a medical questionnaire

No matter what the reason for losing your job’s life insurance plan, FollowMe Life can start where your work plan ends, so you never have to go unprotected.


  • Your acceptance is guaranteed if you apply within 60 days of your work plan ending - as long as you are not ill or injured when you apply! Acceptance is guaranteed upon receipt of first premium payment. The only health-related question you will need to answer is whether or not you are a smoker, which is used to determine your premium.
  • Choose a coverage amount from $25,000-$200,000, available at affordable rates. You can apply for the same amount of coverage you had at work, or less. And if your spouse was covered through your work plan, they can do the same.
  • Guaranteed renewable up to age 80 regardless of any changes in your health. We will never cancel your coverage, as long as you pay your premiums.
  • Lower rates for non-smokers,up to 60% lower. If you quit smoking while covered under this plan, you can apply for non-smoker rates once you’ve quit for at least 12 months.
  • Living Benefit included at no extra cost, giving you a cash advance of up to 50% of your coverage to a maximum of $50,000, if you’re diagnosed with a terminal illness with less than 12 months to live. Available once your coverage has been in effect for 2 years.
  • 30-day, money-back guarantee offers a full refund of premiums paid if you choose to cancel your policy for any reason within the first 30 days.
Please note that FollowMe Life insurance benefits may differ from those of your employee group coverage.


You are eligible to apply for the FollowMe Life plan if you are between the ages of 18 and 69 years, you are a Canadian resident and you are not ill or injured at the time your group life coverage ends.


  • You may name one or more beneficiaries to receive any death benefit payable after your death.
  • If there is no surviving beneficiary or if no beneficiary has been named, any death benefit that becomes payable upon your death will be paid to the owner of the insurance policy, if living or otherwise to your estate.
  • You must name a trustee for any beneficiary(ies) under the age of 18. In Quebec, the designation of the spouse as beneficiary is irrevocable unless otherwise stated.

What is not covered

  • Coverage will not be extended to persons who are ill or injured at the time their group life coverage ends.
  • Benefits will not be paid where death results from suicide within two years of the effective date of the policy. In such cases, total premiums paid will be returned without any interest adjustment.
  • Benefits will not be paid where death results, directly or indirectly, from a pre-existing condition during the 24-month period following the effective date of the policy. In such cases, total premiums paid will be returned without any interest adjustment. ("Pre-existing condition" means any injury, illness or physical condition, whether diagnosed by a physician or not, for which medical treatment was sought, recommended, required or obtained, or for which drugs were prescribed and/or taken within the 24-month period immediately prior to the effective date of coverage.)

NOTE: Conditions, exclusions, limitations may apply. Please read your policy carefully.