495PLUS Optional Plans

« Select a plan option from the left to learn about these great additional plans you can add to your 495PLUS coverage.

Click "More Info" in the column below to request additional information.

Simplified Issue

Coast to Coast Provinces Plans are Exclusive

Our exclusive 'Simplified Issue' plans are more comprehensive, offer more benefits and provide maximum portability.

There are no medical exams or tests of any kind, and no doctor's visits.

To learn more about Funeral/Cremation and Final Expense Plans receive a personal quote or purchase this plan write to info@coastprovincesplan.ca or call 1-800-357-3205 (24 hours a day, 7 days per week) to speak to one of our friendly and helpful Funeral/Cremation Representatives and Final Expense Representatives.

It's that simple! We are here for you!.

Simplified Issue Plans Include:

  • Immediate Benefits - guaranteed for life!
  • Benefits are Tax-Free
  • Level premiums - benefits will not end because of age
  • Protection amounts from $1,000 to $25,000 (depending on the Province of residence)
  • Double Indemnity
  • Your benefits can never be cancelled
  • Ages 40 - 85 can apply (depending on Province of residence)
  • Terminal Illness' Benefit - Living Benefit Advance
  • Archived Vital Information - important if traveling - provides necessary information for your family

INCLUDES - Additional Benefits such as:

  • Accidental Death & Dismemberment
  • Spousal Occupational Training
  • Home & Vehicle Modification
  • Special Education
  • Bereavement Counselling
  • In-Hospital Confinement
  • Day Care
  • Family Transportation
  • Seat Belt
  • Identification Card
  • Critical Illness
  • Rehabilitation

Guaranteed Issue

Our exclusive Guaranteed Issue plans are similar to the ones "advertised on TV!"

However, we provide lower pricing, and many additional benefits.

There are no medical exams or tests of any kind, and no doctor's visits!

To learn more about Funeral/Cremation and Final Expense Plans receive a personal quote or purchase this plan write to info@coastprovincesplan.ca or call 1-800-357-3205 (24 hours a day, 7 days per week) to speak to one of our friendly and helpful Funeral/Cremation Representatives and Final Expense Representatives.

It's that simple! We are here for you!.

Guaranteed Issue Plans Include:

  • Immediate Coverage and Graded Benefits - guaranteed for life!
  • Benefits are Tax-Free
  • Level premiums - benefits will not end because of age
  • Protection amounts from $1,000 to $25,000 (depending on the Province of residence)
  • Double Indemnity
  • Your benefits can never be cancelled
  • Ages 40 - 85 can apply (depending on Province of residence)
  • Terminal Illness Benefit - Living Benefit Advance
  • Archived Vital Information - important if traveling - provides necessary information for your family

INCLUDES - Additional Benefits such as:

  • Accidental Death & Dismemberment
  • Spousal Occupational Training
  • Home & Vehicle Modification
  • Special Education
  • Bereavement Counselling
  • In-Hospital Confinement
  • Day Care
  • Family Transportation
  • Seat Belt
  • Identification Card
  • Critical Illness
  • Rehabilitation

Time Pay

Coast to Coast Provinces Plans are Exclusive

Our exclusive Time Pay Life Insurance plans are becoming more and more popular every day. This type of insurance plan is a way of having the best of both worlds with a whole life policy. These plans provide complete flexibility and can be paid in 1, 3, 5,10 or 20 years. The death benefit is guaranteed to stay level or, you have the option of a growth plan. This means that the insurance benefit will increase each and every year - even if you choose to keep it until age 100.

The death benefit is paid out tax-free, and can be paid in one lump sum. With the tax-free lump sum, you can choose to receive a tax-free monthly income (recovery period) for one or more years.

Advantages

You pay for a specified number of years and never have to pay another premium. The policy will remain in force. The death benefit remains level.

There are a few medical questions and usually there are no tests and no doctor's visits!

Many of the plans have a guaranteed growth and your coverage will increase each and every year.

To learn more about Funeral and Final Expense Plans receive a personal quote or purchase this plan write to info@coastprovincesplan.ca or call 1-800-357-3205 (24 hours a day, 7 days per week) to speak to one of our friendly and helpful Time Pay Representatives.

It's that simple! We are here for you!

Policy Riders

You may add certain riders to your policy. For example, you can add the waiver of premium rider. If you should become disabled the insurance company will waive your premiums for as long as you are disabled. You must be disabled for at least six (6) months to qualify for payment with most insurance companies. If and when you return to work - the premium payments would begin again.

Time Pay Plans include:

  • Immediate Benefits and may have Graded Benefits - guaranteed for life.
  • Benefits are Tax-Free
  • Level premiums - Benefits will not end because of age
  • Protection amounts from $1,000 to $25,000 (depending on your Province of residence)
  • Can include Double Indemnity
  • Can not be cancelled
  • Available to Age 85 (depending on Province of residence)
  • Terminal Illness - Living Benefit Advance
  • Archived Vital Information - for your family
  • Cash values, which accumulate and have Loan Provisions
  • Many of the plans have a guaranteed growth and your coverage will increase each and every year
  • Some of the time pay plans can accrue dividends. Dividends are not guaranteed and depend on the performance of the life insurance company
  • Some time pay plans have a waiver of premium rider and an accidental death benefit rider which can be added to your Time Pay policy

INCLUDES - Additional Benefits such as:

  • Accidental Death & Dismemberment
  • Spousal Occupational Training
  • Home & Vehicle Modification
  • Special Education
  • Bereavement Counselling
  • In-Hospital Confinement
  • Day Care
  • Family Transportation
  • Seat Belt
  • Identification Card
  • Critical Illness
  • Rehabilitation

Extended Health Care

Coast to Coast has taken the initiative to make certain that as many Canadians as possible have access to affordable health insurance not covered by your Provincial Health Plan. As a result, we have launched a health insurance program, bridging the gaps in your provincial health care.

Canadians will be able to receive:

  • Affordable & Reliable Extended Health Care
  • No Medical Required
  • Guaranteed Issue - Standard
  • Guaranteed Issue - Plus
  • Flexible Extended Health Plan options to match specific coverage needs
  • No restrictions on doctors, hospitals or other service providers
  • Specific rights and protections that prevent cancellation or rate increases
  • 24 hour per day coverage on and off the job
  • Discount on home, apartment and auto insurance
  • Add-on any Funeral - Final Expense Plan
  • Access to our exclusive PILLBOX Drug Plan (direct to your door)

The Extended Health Plan can be on its own or added to any Coast to Coast Provinces Plan

Benefits included with the Standard Extended Health Care Plan:

  • Specialist and Therapist
  • Acupuncture
  • Doctor/Chiropractor
  • Fracture
  • Homecare and Nursing
  • Prosthetic Appliances
  • Casts
  • Wheelchair
  • Oxygen
  • Orthotics
  • Vision
  • Ambulance - including ground and air
  • Hospital & Extra Expenses Cash
  • At Home Recuperation
  • Best Doctors Consultation

Benefits included with the Extended Health Care Plus Plan:

All of the Standard Extended Health Care Plan Benefits (above)

PLUS:

  • Drug Coverage
  • Dental Coverage
  • Vision Care
  • Hearing Aids
  • Extended Health Care
  • Lifetime Maximum

Children's Legacy Benefit

The Children's Legacy Benefit is a wonderful Insurance plan for parents and grand parents. Either the parents or grandparents can start the benefit legacy benefit for their child or grandchild.

There are many benefits to a Children's Legacy Benefit. However, none more important than starting and participating in your child's or grandchild's future.

The Children's Legacy plan is unique with several great benefits.

Benefits:

  • After twenty (20) years, the plan is fully paid up and the coverage remains in place for life.
  • The plan has built in savings with cash values and can receive dividends.
  • The saving's and dividend's portion continues to grow each and every year.
  • Later in life, your child or grandchild can borrow against the plan, or use it as collateral!

Features:

The coverage amount grows by 60% over twenty (20) years.

Example: $15,000. will grow into a $25,000. plan - with bonus additions, cash and loan values, or cash surrender and paid-up values.

  • Bonus Additions begin at the end of the 15th year.
  • Cash and loan values begin at the 10th year.
  • Face amount increases from $15,000. at issue to $25,000. in year 20.
  • Issue ages 0-16 inclusive.

The Children's Legacy Plan is a great start, for your child's or grandchild's life journey.

The plans can start with varying amounts from $2,500.00 to $20,000.00.

Life Insurance

Life insurance is designed to protect our families and our assets when we pass on. The life insurance market is changing on a rapid basis to meet the ever changing needs of the consumer.

We offer life, term, whole and mortgage insurance. We have some of the best and cutting-edge life insurance products in the marketplace today.

In order to determine which insurance plan will meet your needs, please call our 1-800# and speak to one of our representatives today. Or you can e-mail us a info@coastprovincesplan.ca.

We look forward to speaking with you and helping you determine what your life insurance needs are.

Segregated Investment Funds

Protection with Strength! Trust! Easy to understand Investment options

Segregated Funds or Seg Funds, are in some ways similar to mutual funds. However, Segregated funds offer many advantages including maturity and death benefit guarantees.

Segregated Funds have the ability to bypass estate probate and provide creditor protection.

Solutions for your investment needs:

Protect Your Investment at Maturity or Death

Guaranteed: Your deposit stays in a protected account, where it accumulates at the growth rate determined by the fund. There are four (4) funds to choose from. You can select to have your deposit accumulate over time or receive a monthly income (annuity).

Death benefit guarantee: When a segregated fund annuitant dies and even if market value of the investment has declined, the named beneficiary will receive the guaranteed amount, less any withdrawals and fees, if applicable.

Estate preservation: Is a critical part of financial planning. Many people don't realize that probate is a public process and can cost a substantial amount of money.

"The assets in a Segregated fund can be paid directly to your named beneficiary, thus avoiding the cost and complications of probate. By avoiding probate, you keep your financial affairs private while more of your proceeds pass directly to your named beneficiaries."

Potential creditor protection: With the Segregated fund in most cases, there are no concerns about protecting your money from creditors (including a possible future bankruptcy).

Note: You can not transfer all assets into a segregated fund the day before declaring bankruptcy and expect to avoid all claims. However, there is legal precedent if the arrangements were made well in advance.

Business Advantage: Many small business owners consider investing in Segregated funds as protection against future business risks.

Resets: When the current value of your investment is greater than your original investment, segregated funds allow you to benefit from market gains by resetting your guaranteed values. Resetting your guaranteed values typically extends your maturity date. For example, if you reset two years into a standard segregated fund contract, your maturity date would be moved forward by two years.

In Conclusion

A diverse investment portfolio with safety guarantees is a must and Segregated funds are an excellent choice in achieving peace of mind.

Law: Segregated Funds are classed as an insurance contract, which means the assets held in your Sons of Scotland Guaranteed Investment Fund are protected from creditors. Under provincial laws, the interests of insurance beneficiaries may override the claims of creditors. Please feel free to Contact Us about your individual circumstances and/or business needs.

Private Health Services Plan

PHSP's in the News!

Private Health Services Plan or PHSP is an approved CRA (Canada Revenue Agency) method for self employed Canadian business people "to tax deduct 100% of their medical, health and dental expenses." These expenses can be tax deductible from the gross business income.

Section 248(1) of the Income Tax Act "private health services plan" means:

(a) a contract of insurance in respect of hospital expenses, medical expenses or any combination of such expenses, or

(b) a medical care insurance plan or hospital care insurance plan or any combination of such plans

Benefits of a PHSP

Many companies, small businesses, self employed and sole proprietors overlook the benefits of a PHSP, and are missing out on significant tax savings!

Plus:

Medical and dental benefits offered by the employer through a PHSP to an employee are tax-free to the employee while tax-deductible to the employer. A PHSP is an innovative and legal way to tax-deduct money spent on healthcare and dental services. It can be used on its own, or in combination with group insurance coverage. With today's rising healthcare costs, coupled with the aging population, PHSP is an ideal way to increase tax-deductibility, customize benefits, and lower operating costs.

Features:

  • No monthly premiums
  • No health questions or qualification requirement
  • Coverage begins immediately
  • Traditional and alternative health care services are covered
  • 100% deduction for employers
  • Tax-free benefit for employees
  • Savings from 25 to 40% on group benefit costs

Further Reading

See related Canada Revenue Agency (CRA) documents at www.cra-arc.gc.ca.

Canada Revenue Agency (formerly Revenue Canada), insists upon a 3rd Party Trustee and Administrator to adjudicate for accuracy and compliance.

CMP Administrators

Coast to Coast Provinces Plan is pleased to announce CMP - Canadian Medical Plans Inc. as our new third (3rd.) party Administrator.

CMP Administrators Inc.

210 Mohawk Road East,
PO BOX 85081, Hamilton,
Ontario L9A 0A9

Phone: 1-800-899-5199

CMP is highly regarded for providing quality service in the industry.

CMP in conjunction with ESORSE will provide effective and efficient responses for claim procedures. CMP can make direct deposits and ESORSE will provide the Pay Direct Cards.