Product Details

Choosing an Insurance Product


Use this diagram to help choose the insurance product that best fits your customer.


Single Payment Options

SPGA Single Pay


  • Full coverage from day 1
  • Ages 0 – 99
  • Min. face amount: $400
  • Max. face amount: $25,000
  • Insured's signature is not required
  • No health questions

Time Pay Options

FEGA 1 Pay IP

  • 1-year plan: ages 0-82
  • Min face amount: $1,000
  • Max. face amount: $50,000

Installment Plan


  • Insured's signature is not required
  • No health questions

FPIA Time Pay
PI or GI

  • 3-year plan: ages 0 – 82
  • 5-year plan: ages 0 – 80
  • 10-year plan: ages 0 – 75
  • 15-year plan: ages 0 – 70
  • 20-year plan: ages 0 – 65
  • Min. face amount: $1,000
  • Max. face amount: $50,000

Preferred Issue


  • Full coverage from day 1
  • 24-month contestability period
  • Insured’s signature is required
  • Health questions must be answered “no”
  • Cost of insurance associated with this product

Guaranteed Issue


  • Return of premiums paid plus 6% months 0 – 24
  • Full coverage beginning on month 25
  • Accidental death benefit months 0 – 24
  • Cost of insurance associated with this product
  • Insured's signature is not required
  • No health questions
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TruStage Life of Canada PO Box 79010 Concord PO Concord, ON L4K 4S8 | 1-888-977-3752 | TruStage.ca