ScotiaLife Accidental Death Insurance

Accidents are the 5th leading cause of death in Canada. In fact, someone passes away from an accident every hour of every day! (Statistics Canada, 2006)

With ScotiaLife® Accidental Death Insurance, you can safeguard your family's future in the event a covered accident takes you away from them. You and your spouse can each get up to $350,000 in coverage.

If you're a Scotiabank customer 18 to 74 years of age and a Canadian resident, then you and your spouse can each sign up for $2,000 of complimentary accidental death insurance - at no cost! enrol now ( 400 kb).

The Plan Offers:

• $2,000 of complimentary accidental death insurance for you and an additional $2,000 for your spouse, for up to 5 full years.
• Tax-free benefits, of up to $350,000, paid as a lump sum to your named beneficiary, should you pass away due to a covered accident.
• A living benefit, paid directly to you, should you be in a hospital for 365 consecutive days immediately following a covered accident.
• Worldwide coverage - you're protected wherever you happen to be.
• Affordable group rates guaranteed never to increase after you enrol. And spousal coverage at half-price. See our rate table.
• No medical questions to enrol.
• Convenient payment options plus automatic renewal. Pay your premiums monthly through your Scotiabank chequing, savings or VISA* account. Your plan is automatically renewed each year for continuous coverage.
• A 30-day review period to ensure you're completely satisfied with your plan.

Group Rates You Can Afford

When you sign up for ScotiaLife Accidental Death Insurance, you get low group rates that are guaranteed never to increase. And your spouse gets a 50% discount.

Benefit Amount** ($)	Monthly Premium* ($)
	Single Coverage (customer only)	Joint Coverage (customer & spouse) includes 50% discount
2,000	No charge	No charge
25,000	2.92	4.38
50,000	5.83	8.75
75,000	8.75	13.13
100,000	11.67	17.50
125,000	14.59	21.88
150,000	17.50	26.25
175,000	20.42	30.63
200,000	23.34	35.00
225,000	26.26	39.38
250,000	29.17	43.75
275,000	32.09	48.14
300,000	35.01	52.52
325,000	37.93	56.90
350,000	40.85	61.28

*Plus Provincial Sales Tax of 8% in Ontario, 9% in Quebec.
**The benefit amount is reduced by 50% at age 75. Coverage ends at age 80.

What's Not Covered

To take the guesswork out of buying accidental death insurance, at ScotiaLife Financial we've put together a list of what isn't covered. ScotiaLife Accidental Death Insurance does not cover death or hospital confinement due to:

1. any naturally occurring condition, illness or disease or bodily or mental infirmity of any kind, or medical or surgical treatment for any such condition, illness, disease or infirmity;
2. suicide, intentionally self-inflicted injury while sane or any self-inflicted injury while insane;
3. an Accidental Bodily Injury sustained while under the influence of any drug, unless the drug was prescribed by a Physician and taken as directed;
4. an Accidental Bodily Injury sustained while the Insured Person's blood alcohol concentration was in excess of eighty (80) milligrams of alcohol per one hundred (100) milliliters of blood;
5. an Accidental Bodily Injury sustained while under the influence of any poison or gas that was voluntarily taken, administered, absorbed or inhaled;
6. flying (except as a passenger on a recognized commercial airline) or any other form of aerial activity;
7. war (declared or undeclared), riot or civil commotion, insurrection or hostilities of any kind;
8. participation as a professional athlete in an athletic competition or demonstration; or
9. commission of, or attempt to commit, or the provocation of any indictable criminal offense.

Enrol ( 400 kb) today for $2,000 complimentary accidental death insurance for you and another $2,000 for your spouse! And you can enrol ( 400 kb) for additional coverage up to $25,000, $100,000, or in other amounts up to $350,000!