{"id":631,"date":"2025-08-17T19:54:51","date_gmt":"2025-08-17T19:54:51","guid":{"rendered":"https:\/\/src-develop.go-vip.net\/en-ca\/?page_id=631"},"modified":"2026-05-20T13:45:04","modified_gmt":"2026-05-20T13:45:04","slug":"term-rates","status":"publish","type":"page","link":"https:\/\/advisor.rbcinsurance.com\/en\/term-rates\/","title":{"rendered":"Give your clients old life insurance NEW LIFE!\u00a0"},"content":{"rendered":"\n<div class=\"wp-block-columns heroBlockContainer mar-t-64 mob-mar-t-0 mar-b-64 mob-mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d91441a wp-block-columns-is-layout-flex\" style=\"margin-top:64px\">\n<div class=\"wp-block-column has-rbc-bright-blue-tint-1-background-color has-background is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-d944985210851ce83998baaba1e08fe2\" id=\"h-the-flexibility-they-need-the-speed-and-ease-you-want\">The flexibility they need. <mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">The speed and ease you want.<\/mark><\/h1>\n\n\n\n<p class=\"has-text-align-left has-white-color has-text-color has-link-color wp-elements-beda8a1c9b0f1137f7ecc700ea8e23a7\">RBC <em>Your<\/em>Term\u00ae Life Insurance<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-cover is-light\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"356\" class=\"wp-block-cover__image-background wp-image-506 size-full\" alt=\"\" src=\"https:\/\/src-develop.go-vip.net\/en-ca\/wp-content\/uploads\/sites\/2\/2025\/08\/Rectangle-3465737.png\" data-object-fit=\"cover\" srcset=\"https:\/\/advisor.rbcinsurance.com\/en\/wp-content\/uploads\/sites\/2\/2025\/08\/Rectangle-3465737.png 600w, https:\/\/advisor.rbcinsurance.com\/en\/wp-content\/uploads\/sites\/2\/2025\/08\/Rectangle-3465737.png?resize=300,178 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-0 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<p class=\"has-text-align-center has-large-font-size\"><\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-style-default default mob-mar-b-dbl mar-b-dbl mar-t-64 mob-mar-t-dbl is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-213bc50e wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"h-how-rbc-your-term-life-insurance-has-become-more-flexible-fast-and-efficient\"><span class=\"partial__border-bottom\">How RBC <em>Your<\/em>Term\u00ae Life insurance has become more flexible, fast and efficient.<\/span><\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-columns mar-t-0 mob-mar-t-0 mar-b-64 mob-mar-b-dbl is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mob-mar-b is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:24px\">\n<p class=\"has-text-large-font-size\" style=\"margin-bottom:8px\"><strong>The product<\/strong><\/p>\n\n\n\n<p>Flexible selection of term lengths anywhere from 10 to 40 years, with yearly renewable term (YRT).<br><br>Convertible to RBC Growth Insurance\u2122, RBC Growth Insurance Plus\u2122, RBC Universal Life\u2122 and Term 100.<br><br>No fluid limit up to and including $2MM for ages 18-50.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column mob-mar-b is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:24px\">\n<p class=\"has-text-large-font-size\" style=\"margin-bottom:8px\"><strong>The express underwriting team<\/strong><\/p>\n\n\n\n<p><strong>Express underwriting<\/strong> available for term clients who submit a completed Part 2 via the eApp and require no further underwriting. RBC <em>Your<\/em>Term\u00ae applications are now eligible up to and including <strong>$3MM,<\/strong> with no fluids and age 50 or under.<br><br><strong>Immediate approval at point-of-sale<\/strong> for express eligible term clients on RBC <em>Your<\/em>Term\u00ae applications up to and including <strong>$2MM,<\/strong> with no fluids and age 50 or under.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-large-font-size\" style=\"margin-bottom:8px\"><strong>The technology<\/strong><\/p>\n\n\n\n<p>With RBC <em>Your<\/em>Term\u00ae <a href=\"https:\/\/www.rbcinsurance.com\/sales-resource-centre\/digital-tools\/index.html\" target=\"_blank\" data-dig-id=\"LP-631-7f1e25ab\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"eApplication and Digital Signature\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">eApplication and Digital Signature<\/a> technology you can streamline the application process, making your clients\u2019 experiences simpler and more convenient.<br><br>Advisors and their clients can electronically complete and submit the <a href=\"https:\/\/www.rbcinsurance.com\/sales-resource-centre\/_assets-custom\/pdfs\/term-ure-jobaid.pdf\" data-dig-id=\"LP-631-3458d2f7\" data-dig-label=\"Part 2 \u2013 Health and Lifestyle Questionnaire\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Part 2 \u2013 Health and Lifestyle Questionnaire<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull mar-t-64 mob-mar-t-dbl mar-b-64 mob-mar-b-dbl has-background is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\" style=\"background-color:#edf7fc;padding-top:40px;padding-bottom:40px\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group alignwide is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-e031beef wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading mar-b-qtr mob-mar-b-qtr\" id=\"h-rbc-term-life-insurance-conversion-options\">RBC Term Life insurance conversion options<\/h2>\n\n\n\n<p>Every clie<span class=\"partial__border-bottom\">nt is unique, and so are their insurance needs. That\u2019s why we\u2019ve made it our goal to help you offer flexible term life solutions that best suit them.<\/span><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-columns mar-t-dbl mob-mar-t-dbl is-layout-flex wp-container-core-columns-is-layout-28232c24 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-style-default default is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-right:40px\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/advisor.rbcinsurance.com\/en\/life-insurance\/#term-switch\" target=\"_blank\" data-dig-id=\"LP-631-761e9328\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Term Switch Privilege:\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Term Switch Privilege:<\/a> Switch an eligible1 in force Term 10 or Term 20 policy to an RBC <em>Your<\/em>Term\u00ae policy1 for 10% savings.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/advisor.rbcinsurance.com\/en\/life-insurance\/#conversion\" target=\"_blank\" data-dig-id=\"LP-631-e7d86cf9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Convert\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Convert<\/a> to an RBC Participating Whole Life, Universal Life or Term 100 policy with no underwriting.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/assets.rbcinsurance.com\/m\/66a34b79b0af3def\/original\/Inforce-term-options-at-a-glance.pdf\" target=\"_blank\" data-dig-id=\"LP-631-73dea7eb\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Exchange\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Exchange<\/a> an RBC <em>Your<\/em>Term\u00ae 10 within the first five years to an RBC <em>Your<\/em>Term\u00ae 15, 20 or 30 with no underwriting. Check out the new <a href=\"https:\/\/assets.rbcinsurance.com\/m\/1fdcbf679e2f5fa7\/original\/Request-to-Exercise-a-Full-or-Partial-Exchange-Privilege.pdf\" target=\"_blank\" data-dig-id=\"LP-631-4db01f74\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Standalone Term Exchange Privilege form\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Standalone Term Exchange Privilege form<\/a><\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><a href=\"https:\/\/assets.rbcinsurance.com\/m\/00ca399c7384547f\/original\/RBC-Growth-Insurance-and-RBC-Growth-Insurance-Plus.pdf\" target=\"_blank\" data-dig-id=\"LP-631-948188b1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Term Partial Conversion and Carryover:\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Term Partial Conversion and Carryover:<\/a> Partially convert from an existing in force RBC term policy issued on or after February 2005 to an RBC Growth Insurance, RBC Growth Insurance Plus or Term 100 policy and carryover the remaining term coverage as a rider without evidence of insurability while restarting the term duration.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading mar-t-0 mob-mar-t-0 mar-b-hlf mob-mar-b-hlf\" id=\"h-additional-resources-for-rbc-your-term\">Additional resources for RBC <em>Your<\/em>Term\u00ae<\/h2>\n\n\n\n<div class=\"wp-block-columns is-highlight-container mar-b mob-mar-b mar-t-0 mob-mar-t-0 is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r-hlf mob-mar-r-hlf is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p><strong><strong>Materials (Advisor Use)<\/strong><\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/assets.rbcinsurance.com\/m\/6d24374c63e52594\/original\/RBC-Your-Termlife-Insurance.pdf\" target=\"_blank\" data-dig-id=\"LP-492-a6d44bc9\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"At a glance: Participating life insurance\" class=\"rbc-link-format rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Top rates for your large case clients and<br>competitive compensation for you<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/assets.rbcinsurance.com\/m\/64835c38641feaa4\/original\/Advisor-Guide.pdf\" target=\"_blank\" data-dig-id=\"LP-631-64ae888b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC&nbsp;YourTerm\u00ae&nbsp;Advisor Guide\" class=\"rbc-link-format rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">RBC&nbsp;<em>Your<\/em>Term\u00ae&nbsp;Advisor Guide<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p><strong>Advisor Tools<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/advisor.rbcinsurance.com\/en\/sales-tools\/#living-benefits\" target=\"_blank\" data-dig-id=\"LP-1038-4848a9c7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Trading Authorization\" class=\"rbc-link-format rbc-link-format icon-before attachment-icon\" data-icon-class=\"icon-before attachment-icon\" rel=\"noreferrer noopener\">RBC Illustration Software<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/sales-resource-centre\/digital-tools\/index.html\" target=\"_blank\" data-dig-id=\"LP-631-6028674d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance Digital Tools\" class=\"rbc-link-format rbc-link-format icon-before attachment-icon\" data-icon-class=\"icon-before attachment-icon\" rel=\"noreferrer noopener\">RBC Insurance Digital Tools<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/advisor.rbcinsurance.com\/en\/videos\/life-insurance\/how-to-access-and-use-the-term-eapplication\/\" target=\"_blank\" data-dig-id=\"LP-631-1e49d03f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Term eApp &quot;How to Video&quot;\" class=\"rbc-link-format rbc-link-format icon-before play-button-icon\" data-icon-class=\"icon-before play-button-icon\" rel=\"noreferrer noopener\">Term eApp &#8220;How to Video&#8221;<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/sales-resource-centre\/_assets-custom\/pdfs\/term-ure-jobaid.pdf\" target=\"_blank\" data-dig-id=\"LP-631-0cb83d24\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Job Aid - Health &amp; Lifestyle Questionnaire (Part 2)\" class=\"rbc-link-format rbc-link-format pdf-link\" data-icon-class=\"pdf-link\" rel=\"noreferrer noopener\">Job Aid &#8211; Health &amp; Lifestyle Questionnaire (Part 2)<\/a><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group calloutCardContainer mar-t-64 mob-mar-t-dbl mar-b-64 mob-mar-b-dbl has-rbc-bright-blue-tint-1-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"is-style-default default has-white-color has-text-color has-link-color has-label-large-font-size wp-elements-4bda97eee98a7ba3a9c0090f2fd0258d\" style=\"font-style:normal;font-weight:500\"><strong>For more information, please contact your MGA or RBC Insurance sales consultant<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" data-dig-id=\"LP-631-3897aaaa\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Call 1-866-262-7922\">Call 1-866-262-7922<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer rbcLegalCollapsibleWrapper mar-t-64 mob-mar-t-dbl mar-b-64 mob-mar-b-dbl\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-631-558cedb6\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View legal disclaimers<\/span><span>View legal disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-ab0d6c48-9e68-44b1-b28e-7ae270116a88 {\n\t\theight: 1px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-ab0d6c48-9e68-44b1-b28e-7ae270116a88 {\n\t\t\theight: 1px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-ab0d6c48-9e68-44b1-b28e-7ae270116a88\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"mar-b-0 mob-mar-b-0\">Certain restrictions apply. Life insurance products underwritten by RBC Life Insurance Company. \u00ae \/ \u2122 Trademark(s) of Royal Bank of Canada. Used under licence.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>The flexibility they need. The speed and ease you want. RBC YourTerm\u00ae Life Insurance How RBC YourTerm\u00ae Life insurance has become more flexible, fast and efficient. The product Flexible selection of term lengths anywhere from 10 to 40 years, with yearly renewable term (YRT). Convertible to RBC Growth Insurance\u2122, RBC Growth Insurance Plus\u2122, RBC Universal [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"class_list":["post-631","page","type-page","status-publish","hentry"],"acf":{"rbci_landing_page_use_simple_navigation":true},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Give your clients old life insurance NEW LIFE!\u00a0 | RBC Insurance Sales Resource Centre<\/title>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Give your clients old life insurance NEW LIFE!\u00a0 | RBC Insurance Sales Resource Centre\" \/>\n<meta property=\"og:description\" content=\"The flexibility they need. The speed and ease you want. RBC YourTerm\u00ae Life Insurance How RBC YourTerm\u00ae Life insurance has become more flexible, fast and efficient. The product Flexible selection of term lengths anywhere from 10 to 40 years, with yearly renewable term (YRT). 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The speed and ease you want. RBC YourTerm\u00ae Life Insurance How RBC YourTerm\u00ae Life insurance has become more flexible, fast and efficient. The product Flexible selection of term lengths anywhere from 10 to 40 years, with yearly renewable term (YRT). 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