Help protect the financial future of your loved ones with easy and affordable protection. 

Term Life Plans

Term life insurance is not one-size-fits-all. What suits one Member may not be appropriate for another. That's why CAA Saskatchewan, in partnership with Manulife Financial, has developed three new life plans to meet our Member's needs.

CAA's 5-Year Term Life Plan

CAA's 5-year term life plan is a great short-term choice. This plan offers low premium rates so you can afford to safeguard your family. Plus, once you have been accepted for coverage, your rates are guaranteed not to increase for the next five years.

CAA's 20-Year Term Life Plan

CAA's 20-year term life plan is for Members who are looking for a financial cushion to cover long-term needs. You have affordable rates guaranteed not to increase up for to 20 years.

CAA's Lifetime Protection Plan

CAA's lifetime protection plan provides coverage for the rest of your life so no matter what time brings, your family is always protected. What's great about this plan is that you pay the same rate for the rest of your life as rates are guaranteed never to increase.

While these three new plans have their unique features, they do share the following benefits - exclusively available to CAA Members:

  • Limits as high as $500,000
  • Save up to 20%
  • Living benefit cash advance
  • Optional critical illness and child term life rider

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Insurance is underwritten by: The Manufacturers Life Insurance Company.
You can also call Manulife's customer service representatives toll free at 1.877.942.4CAA (1.877.942.4222), Monday through Friday 8:00am to 8:00pm EST or email

Guaranteed Issue

Many Canadians aged 50 and older feel it's not easy getting adequate insurance coverage, especially if they have some sort of medical condition. Thanks to CAA, you have a choice. If you are a CAA Member between 50 and 75 years of age, you can receive affordable protection with no medical questions to answer or exams to take. This insurance is guaranteed!

Since you are a CAA Member, once enrolled in the CAA Guaranteed Issue Life Plan, your Life Benefit will grow by 2% of the original amount every year, just by maintaining your CAA membership. What this means is that you will receive additional coverage without ever having to pay an extra cent. Your premiums will remain the same for the lifetime of the policy.

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Critical Illness Plan

The Critical Illness Insurance Plan pays you a lump sum while you're still alive. Knowing why you may need Critical Illness Insurance and how it differs from your life and disability insurance can help you make important decisions to better safeguard your family's financial situation.

Perhaps you know someone who has survived cancer, a heart attack, stroke or kidney failure and has undergone life-threatening surgery. The fact is, the probability of contracting a life-threatening illness or having to undergo a serious operation during your lifetime increases with each passing year. The good news is, with today's advances in medical science, your chances of survival are greater than ever. Critical Illness Insurance could provide the necessary funds to:

  • Access the latest treatments medical science has to offer anywhere in the world
  • Continue to pay your mortgage, car loan, childcare and other bills while you recover
  • Pay for private nursing, physical therapy, medical equipment and home alterations
  • Protect your retirement savings
  • Afford the necessary time for full recovery before your return to work

With the CAA Critical Illness Plan, underwritten by The Manufacturers Life Insurance Company (Manulife Financial), you will have the security of knowing that 30 days following a diagnosis of cancer, heart attack or stroke, coronary bypass or aortic surgery, you will qualify to receive a one-time, lump sum benefit of $25,000 paid directly to you, to spend however you wish.

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EarlyStartTM Child Term Life Insurance

The CAA EarlyStart Child Term Life Insurance plan is a great choice for parents and grandparents. Guaranteed renewable, you can apply for coverage from $5,000 to $35,000 for your child or grandchild between the ages of 60 days and 12 years.

But that’s not all! The CAA EarlyStart plan is much more than child life insurance. Here are the reasons why:

  • The coverage triples at age 21 at no additional cost
  • Convertible to CAA Term Life Insurance without providing any additional medical information at age 21-26 years
  • No medical exams or questionnaires when you apply
  • Rates are competitively priced, starting at just $4.06 per month

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