Lifetime Coverage Made Simple:
Life insurance often feels complicated medical exams, extensive questioning, long approval periods, and uncertainty about eligibility. For many Canadians, especially those who want simple, permanent protection without the usual barriers, ivari’s Simply Guaranteed Life and Simply Simplified Life products offer a refreshingly straightforward solution.
These plans, available for adults aged 18 to 74, provide quick access to lifelong insurance, whether you’re in excellent health, managing a medical condition, or have faced declines in the past. The philosophy behind these products is clear: protect what matters most, without complexity.
Lifetime Coverage Tailored for Real Life
The Simply suite was created to address some of the most common and important financial needs families face. These plans can help:
- Cover funeral and final expenses
- Provide protection from outstanding debts
- Enhance existing insurance policies
- Reduce financial stress for loved ones
- Secure lifelong coverage without requiring a medical exam
With a simplified application process and predictable monthly premiums, ivari’s Simply plans focus on what most families want: reliability, transparency, and lifelong peace of mind.
What Is Simply Guaranteed Life?
Simply Guaranteed Life is designed for individuals who may have challenges qualifying for traditional life insurance. Whether due to health conditions or a history of past declines, this plan ensures access to permanent coverage with minimal barriers.
Key Features of Simply Guaranteed Life
Guaranteed acceptance
Your health history does not prevent you from obtaining this coverage.
Coverage amounts between $10,000 and $25,000
Ideal for final expenses and small financial obligations.
Guaranteed fixed monthly premiums
Your premiums remain the same throughout the life of the policy.
Deferred death benefit
The full death benefit becomes payable starting in the third policy year.
In the first two years, the plan returns your premiums with 3% simple interest, except in the case of accidental death, which is covered in full from the beginning.
This plan is particularly valuable for seniors, individuals managing chronic conditions, and anyone who simply wants guaranteed coverage without medical requirements.
What Is Simply Simplified Life?
Simply Simplified Life is suited for those who may be in good health or have manageable conditions but still prefer a medical-exam-free insurance solution. It offers higher coverage amounts and more built-in features.
Key Features of Simply Simplified Life
Coverage amounts between $10,000 and $500,000
Suitable for families seeking robust long-term financial protection.
Fixed monthly premiums for life
Premium stability ensures predictable budgeting.
Transportation Benefit
Provides up to $2,000 if the insured passes away 200 km or more from their principal residence. This begins either immediately or in the third policy year, depending on the coverage option.
Deferred or immediate death benefit
Some applicants qualify for immediate full coverage, while others receive deferred benefits similar to Simply Guaranteed Life.
Cash value accumulation (Guaranteed Surrender Value)
Cash value begins to accumulate starting in the fifth policy year.
Reduced Paid-Up Option
Beginning in the eighth year, policyholders may choose to stop paying premiums and maintain a reduced amount of lifetime coverage.
Because Simply Simplified Life has three distinct coverage tiers, applicants can benefit from features that match their health profile while still enjoying the simplicity of a quick, exam-free application process.
Human-Friendly Application Process
ivari’s application process is intentionally streamlined:
- You meet with an advisor to determine your coverage needs.
- You answer a short set of health and lifestyle questions.
- Based on your responses, ivari determines whether you qualify for Simply Guaranteed Life or one of the Simply Simplified Life options.
This approach removes medical exams, long waiting periods, and underwriting uncertainty, making it easier for Canadians to obtain the protection they need.
Additional Value with Maple Virtual Healthcare
A unique advantage of both Simply products is access to Maple, Canada’s leading virtual healthcare platform. Depending on program availability, policyholders and their dependents receive up to four online consultations annually at no additional cost. This includes support from primary care physicians and mental health therapists, with bilingual assistance.
This added benefit reflects a modern understanding of what families need—financial protection paired with convenient access to healthcare.
Coverage Eligibility and Limits
To qualify for these plans, applicants must have lived in Canada for at least six months and must be a Canadian citizen, a landed immigrant, a permanent resident, or a valid permit holder.
The maximum combined coverage available across all ivari guaranteed and simplified products is $500,000 per insured individual.
These rules help ensure clarity and fairness in how applicants receive coverage.
Summary:
ivari’s Simply Guaranteed Life and Simply Simplified Life products bring much-needed simplicity and accessibility to permanent life insurance in Canada. With guaranteed premiums, medical-exam-free approval, flexible benefit structures, and lifelong protection, these plans are ideal for Canadians who want clarity, convenience, and peace of mind.
Whether your goal is covering final expenses, supplementing existing insurance, or securing long-term family protection, the Simply suite delivers on its promise:
Life insurance that is simple, affordable, and designed for real life.
*Written based on ivari’s brochure. Contact us to edit.
Venkat