RBC Insurance (also known as Royal Bank of Canada) is the brand name for Liberty Life Insurance Company.  The company is the largest Canadian bank-owned insurance organization and has over 5 million customers in the United States, in addition to being one of Canada’s leading insurers.  RBC specializes in life insurance for smokers, always among the lowest-priced for smokers that are in excellent or standard health.  RBC also is an industry leader in the rapidly growing market for life insurance with no medical exam, offering instantly issued coverage for qualifying applicants.  The company offers the following products:

RBC LevelTERM – A term life insurance product that can be guaranteed for a period of 10, 15, 20, or 30 years.  Conversion options are guaranteed for the full term, all the way up to age 70.  RBC’s term product is the class leader for young smokers and individuals over age 60.

RBC ExpressTERM – A no medical exam term life insurance product that offers up to $250,000 of coverage and can be guaranteed for a period of 10, 15, 20, or 30 years.  Coverage can be issued instantly when approved with an online application, and only a few health questions are asked.  Premiums will be more expensive than a comparable RBC LevelTERM policy that requires additional underwriting.  Please note that the ExpressTERM product does not have a conversion option to permanent coverage.

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