Group Benefits

Our Employee Group Benefits Team Offers A Range Of Group Life And Health Services That Will Give Your Employees An Incentive To Join And Remain With Your Company.

Whether You Are Seeking New Coverage Or If You Have Existing Group Coverage Our Team Is Dedicated To Providing Your Company With Excellent Service.

  • New Group Life And Health Benefit Quotes For Small To Medium Sized Businesses
  • Complete Comparative Analysis With Quotes From Multiple Suppliers
  • Servicing Of Your Existing Group Plan

Why Work With Our Group Benefits Team?

  • Save Money – Find The Best Coverage At The Best Price Within Your Industry, We Are Focused On Your Budget And Employment Benefits
  • Selection – Get Access To The Majority Of Group Benefit Suppliers Across Canada All At Once
  • Custom Plans – Customize Your Plan To Fit Your Needs
  • Service– We Are Committed To Excellent Customer Service

Exclusions

No Indemnity Or Benefit Under This Contract Shall Be Payable For A Loss Resulting Directly Or Indirectly From Any Of The Following:

  1. Suicide, Attempted Suicide, Intentionally Self-Inflicted Injury Or Dismemberment, Whether The Insured Person Is Sane Or Insane; Or
  2. Injury Sustained While The Insured Person Is Actively Participating In A Riot, An Insurrection Or Hostilities, Or Injury Sustained During A War, Whether Declared Or Not; Or
  3. Commission Or Attempted Commission Of A Criminal Act By The Insured Person; Or
  4. Participation By The Insured Person In Any Type Of Flight Or Attempted Flight While He Or She Is Travelling Aboard The Craft Other Than As A Passenger; Or
  5. Injury Sustained While The Insured Person Is An Active Member Of The Armed Forces Of Any Country; Or
  6. The Driving Of A Motor Vehicle By The Insured Person While Under The Influence Or While His Or Her Blood Alcohol Concentration Exceeds The Limit Prescribed By Law; Or
  7. Participation In A Race, Trial Or Speed Contest In Automobiles, On Motorcycles Or In Any Other Motor Vehicle; Or
  8. The Practice Of A Remunerated Sport; Or
  9. Intentional Inhalation Of Gas, Asphyxia Or Poisoning; Or
  10. Treatment Undergone For Cosmetic Purposes; Or
  11. For The Accidental Death Or Dismemberment Coverage Only: Death Or Loss Of Use Resulting From A High-Risk Medical Intervention Is Not Deemed To Be Accidental Given The Insured Person’s Medical Condition.

Accidental Death, Dismemberment Or Loss Of Use

Purpose Of Coverage

Subject To The Terms Of This Coverage And To Those Of The Contract, The Insurer Shall Pay To The Insured Person The Amount Indicated In The Table Below In The Event Of Accidental Death, Dismemberment Or Loss Of Use, Conditional Upon The Insurer Receiving Evidence It Deems Satisfactory To The Effect That:

A) The Death, Dismemberment Or Loss Of Use Results, Directly And Independently Of Any Other Cause, From Accidental Bodily Injury Or Accidental Drowning; And
B) The Death, Dismemberment Or Loss Of Use Occurs Within Three Hundred And Sixty-Five (365) Days Of The Accident.

Limitations

Any Loss Prior To The Effective Date Of The Contract Or Sustained In A Previous Accident Shall Not Be Considered In The Payment Of This Benefit. The Maximum Amount Payable For All Losses Within Three Hundred And Sixty-Five (365) Days Of The Accident Shall Not Exceed The Maximum Sum Insured As Indicated In The Table Above. If, As The Result Of A Single Accident, An Insured Person Sustains Several Losses Listed In This Coverage, Benefits Shall Be Payable For Only One Such Loss, That Is, The Loss Which, Under This Coverage, Represents The Highest Benefit Amount. The Maximum Benefit Payable For Accidental Death Is Twenty-Five Thousand Dollars ($25,000) As Of Age Seventy (70)

Termination Of Coverage

Coverage For Accidental Dismemberment Or Loss Of Use Terminates At The Seventieth (70th) Birthday Of The Insured Person.

Hospital Benefit In The Event Of An Accident

Purpose Of Coverage

Subject To The Terms Of This Coverage And To Those Of The Contract, The Insurer Undertakes To Pay A Daily Benefit Of Seventy Dollars ($70) When The Insured Person Is Hospitalized For At Least Eighteen (18) Hours As A Result Of An Accident. For The Purposes Of This Contract, Where The Insured Person Undergoes Day Surgery Further To The Accident, The Hospitalization Period Corresponds To A Period Of Eighteen (18) Hours Of Hospitalization.

Limitations

The Hospital Benefit Is Limited To A Lifetime Maximum Of Seven Hundred (700) Days. As Of Age Seventy (70), The Daily Benefit Is Reduced By Fifty Percent (50%) To Thirty-Five Dollars ($35) Per Day.

Disability Insurance In The Event Of An Accident

Purpose Of Coverage

Subject To The Terms Of This Coverage And To Those Of The Contract, When The Insured Person Becomes Totally Disabled Further To An Accident Resulting In Hospitalization, Dismemberment, Fracture, A Major Burn Or A Major Laceration, The Insurer Shall Pay Him Or Her A Monthly Benefit Of Seven Hundred Dollars ($700), Without A Waiting Period, For A Maximum Of Seven (7) Months.

Recurrent Disability

All Consecutive Periods Of Total Disability Separated By Less Than Seven (7) Months Shall Be Considered A Single Period Of Disability, Unless The Subsequent Disability Is The Result Of An Accident Entirely Separate From The First Disability And Begins Only Once The Primary Insured Has Resumed His Or Her Daily Activi-Ties, For A Person Without Remunerative Work, Or Has Resumed His Or Her Occupation On An Active And Continuous Basis For At Least One (1) Day, For A Per-Son With Remunerative Work. In No Case Shall Total Benefits Resulting From The Initial Disability And The Recurrent Disability Exceed The Maximum Period Of Seven (7) Months

Loss Of Entitlement To Disability Benefits

Entitlement To Disability Insurance Benefits Ceases At The Earliest Of The Following Events:

A) Upon Cessation Of Total Disability Or The Death Of The Primary Insured; Or

B) At The End Of The Maximum Benefit Period Of Seven (7) Months; Or

C) Upon Refusal To Undergo A Medical Examination, To Produce Evidence Of Ongoing

Disability As Required By The Insurer Or To Undergo Treatment Recommended By The Attending Physician; Or

D) Performance Of Remunerative Work Or Work That Should Be Remunerated.

Limitation

As Of Age Seventy (70), The Monthly Benefit Is Reduced By Fifty Percent (50%) To Three Hundred And Fifty Dollars ($350) Per Month.

General Provisions

Purpose Of The Contract

The Insurer Undertakes To Pay The Benefits Stipulated In The Contract Subject To The Conditions, Limitations And Exclusions Described Therein.

Eligibility For Insurance

An Insured Person Is Eligible For Insurance At The Effective Date Of The Contract Provided He Or She Is Under Age Eighty (80) At That Date.

Effective Date Of The Contract

The Contract Takes Effect The Day After The Insurance Application Is Received At The Head Office Of L’EXCELLENCE, Provided The Application Is Duly Completed And The First Premium Is Paid.

Renewal

The Insurer Undertakes To Renew This Insurance From Year To Year Until The Seventieth (70th) Birthday Of The Primary Insured, Provided The Renewal Premium Is Paid Within The Prescribed Timeframe. Upon Each Renewal, The Insurer May Modify The Premium For All Contracts Issued And The Premium Will Then Be Equal To The Premium Payable For A Similar Contract Issued By The Insurer And Offering The Same Coverages.

At The Date Of Renewal Or At His Or Her Election, The Policyholder May Add Or Change The Coverages That Are Part Of The Insurance.

Premiums

Premiums Are Payable In Advance As Of The Effective Date Of The Contract Or The Coverage Indicated In The Contract. They May Be Paid On An Annual Or Monthly Basis By Pre-Authorized Debit. Premiums Shall Be Paid Directly To The Insurer Or To A Representative Duly Authorized To Receive The Payment. All Cheques Must Be Made Out To The EXCELLENCE Life Insurance Company. If A Cheque Or Any Other Bill Of Exchange Given To The Insurer In Payment Of An Initial Premium, Is Not Honoured Upon Presentation, The Premium Is Deemed To Be Unpaid And Any Contract That May Have Been Issued In Respect Of That Premium Payment Is Null And Void.

Grace Period

A Grace Period Of Thirty (30) Days Is Granted After The Premium Due Date For Payment Of Every Premium Except The First. This Contract Remains Effective During The Grace Period. If The Premium Remains Unpaid At The End Of The Grace Period, The Contract Is Automatically Terminated And The Insurer’s Obligations Cease Retroactively To The Beginning Of The Grace Period.

Definitions

Accident

Means A Sudden And Unforeseeable Event That Causes, Directly And Independently Of Any Other Cause, Bodily Injury Resulting Exclusively From A
Cause That Is External, Violent And Unintended By The Insured Person And Which Requires Regular And Continuous Medical Care, Recommended By A
Physician. If An Accident Causes A Disability That Begins Over Ninety (90) Days After The Accident, The Disability Shall Not Be Deemed Accidental For The Purposes Of This Contract.

Beneficiary

Means The Primary Insured, The Policyholder Or The Person Designated By The Policyholder Upon Application For Insurance Provided The Latter Has An Insurable Interest In The Life Or Health Of The Primary Insured.

Day Surgery

Means Surgery Performed In A Hospital Or A Service Affiliated With A Hospital That Does Not Require Hospitalization And For Which The Insured Person Is Discharged On The Same Day As The Surgery. Note That Day Surgery Is Not Considered A Hospitalization Unless Specifically Stipulated.

Dismemberment

Means The Complete Loss Of A Limb Or Of An External Organ.

Fracture

Means The Violent Rupture Of A Bone.

Hospital

Means An Acute Care Hospital Centre As Defined In The Act Respecting Health Services And Social Services Or An Equivalent Legislation In The Insured Person’s Province Of Residence, Excluding Any Part Of Such A Hospital Centre Reserved For Long-Term Care. “Hospital” Does Not Include Mental Hospitals, Long-Term Care Hospitals, Tuberculosis Hospitals, Sanitariums, Reception Centres, Nursing Homes, Retirement Homes, Spas, Dispensaries Or Other Establishments Or Parts Of Establishments Whose Goal Is To Provide Nursing Care Or Rehabilitation.

Hospitalization

Means Occupation Of A Hospital Room Or A Stay Under Observation In An Emergency Ward For At Least Eighteen (18) Consecutive Hours.

Injury

Means Bodily Harm Acknowledged By A Physician And Resulting, Directly And Independently Of Any Other Cause, From An Action That Is Sudden, Violent And Unforeseeable And From A Cause That Is External And Unintended By The Insured Person.

Insurer

Means L’EXCELLENCE Life Insurance Company.

Loss

Means Complete Amputation At Or Above The Elbow Or The Knee, With Reference To Arms And Legs; Complete Amputation At Or Above The Wrist Or The Ankle, With Reference To Hands And Feet; Complete Amputation At Or Above The Distal Phalanx, With Reference To All The Fingers Of One Hand; Complete Amputation Of Both Phalanges, With Reference To The Toes Of One Foot; And The Total And Irrecoverable Loss Of Sight, With Reference To An Eye. With Reference To Speech, “Loss” Means The Total And Irrecoverable Loss Of The Ability To Utter Intelligible Sounds And, With Reference To Hearing, The Total And Irrecoverable Loss Of The Ability To Hear With Both Ears. “Loss Of Use” Means The Total And Irrecoverable Loss Of Use Of The Limb In Question Provided The Loss Is Continuous For A Period Of Twelve (12) Consecutive Months And Is Deemed Permanent.

Major Burn

Means A Second Or Third-Degree Skin Burn That Results In Immediate Medical Consultation Requiring Treatment And That Causes A Total Disability. Major Laceration

Means An External Cut That Requires Treatment By A Physician And That Causes Total Disability.

Physician

Means A Doctor Licensed In Medicine Who Is A Member Of The Collège Des Médecins Du Québec Or An Equivalent Medical Body In The Insured Person’s Province Of Residence.

Primary Insured

Means The Person Who Is Insured Under This Contract.

Total Disability For A Person With Or Without Remunerative Work At The Time Of The Accident

Means The State Of Disability Resulting, Directly And Independently Of Any Other Cause, From An Accident That Results In Hospitalization, Dismemberment, Fracture, Major Burn Or Major Laceration And That Is Sustained While The Primary Insured Is Insured Under This Coverage And Requiring Continuous Medical Care, Recommended By A Physician, According To The Necessary Frequency For That Disability And Which Prevents The Primary Insured From Performing The Duties Of His Or Her Regular Occupation, For A Person With Remunerative Work Or From Attending To Most Of His Or Her Normal Activities Of Daily Living, For A Person Without Remunerative Work.

Notice And Evidence Of Loss

When An Event Gives Rise To A Claim, Within Ninety (90) Days Of That Event You Must Send The Insurer Such Information As Is Necessary To Review The Claim. The Person Who Files The Claim Must Provide The Insurer With Any Information Or Evidence The Insurer May Deem Useful.

Failure To File The Notice And Evidence Of Loss Within The Prescribed Time Frames May, Where Such Delay Is Not Beyond The Insured Person’s Control, Result In Acceptance Of The Loss Only At The Date Of Receipt.

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