These level term life insurance plans, in the event of death, pay the insured amount to the chosen beneficiaries. These plans can be purchased in increments of $10,000, to a maximum of $400,000.

• The OGTI plan is designed for Regular Force members and their spouses; and
  
• The RTIP is designed for Reserve Force members and their spouses.

By completing and submitting an application form to a SISIP Financial Services (SISIP FS) insurance representative or to the SISIP FS Ottawa Office at the address indicated on the application form. You can get a form in any of our SISIP FS offices, by calling 1-800-267-6681 (in Ottawa, 613-233-2177), or you can download the form. (PDF format).

Unless you are transferring an existing coverage, you must complete the appropriate section of the application form titled “Medical History”. It should be noted that a medical examination may be requested by the Insurer.

FAQ

• Claim payments are guaranteed, even if you die while serving in a theatre of operations;
• No exclusions for dangerous occupations, hobbies, volunteer activities or sports;
• Less stringent medical underwriting requirements;
• Accidental dismemberment benefits for injuries for:
• insured members whose injuries are “non-attributable to military service*” equal to their SISIP FS coverage in force at the date of accident up to a maximum of $250,000^†;
• insured spouses same as for members;
• dependent children to a maximum of $10,000;
• A free Dependent Life (DL) coverage of $10,000; and
• A living benefit that provides, under specific circumstances, access to:
• An amount not to exceed 50% of the face value of the life insurance in force to a maximum of $50,000, provided that the insured has a terminal illness, and the prognosis by the physician, and confirmed by Manulife Financial's consulting physician, is that death is expected within 12 months.

* “Non-attributable to military service” is interpreted as meaning “does not arise out of or is not directly connected with military service.”

^† The Accidental Dismemberment Insurance Plan (ADIP) provides benefits for members whose injuries are attributable to military service.

• A person who is married to a serving or released member; or
• A person for whom a written declaration of common law status has been filed with SISIP FS.

Premiums for these plans are age-banded, based on your smoker/non-smoker status, the amount of coverage requested, and increase in five-year increments.

Your premiums can be paid using one of the following methods, depending on your specific circumstances:

Conditional coverage begins when a SISIP FS office receives your completed application. If you should pass away while your application is going through the underwriting process, your claim will be paid unless the cause of death is related in any way to a non-insurable pre-existing medical condition.

Any new coverage is subject to the approval of SISIP FS or the Insurer, Manulife Financial. Therefore, you must be cautioned that NO action should be taken to terminate your existing life insurance coverage until notified of the final decision.

If you're released from the CF and are covered under any of the SISIP FS term life insurance plans, you're entitled to transfer your coverage to Insurance for Released Members (IRM) without evidence of insurability within 60 days following your effective date of release.

Please note that during the period of conversion, the full OGTI/RTIP benefit is payable if death occurs within 60 days of the effective date of release.

No, the OGTI and RTIP benefits are not taxable to the beneficiary(ies).

No. You can't assign, encumber or commute any rights or benefits under this Policy.

Any person(s) or organization(s) may be designated as the beneficiary(ies) of a member's OGTI or RTIP policy. However, the primary beneficiary of a spousal coverage is the applicant unless you specified otherwise. In the absence of a beneficiary designation on a member's coverage, the proceeds are paid to the estate. In most cases, this is not recommended, so please see a qualified, licensed SISIP FS insurance representative.

• A SISIP FS Attending Physician’s Statement (APS) Form;
• A Claimant’s Statement Regarding Death;
• A death certificate, and
• If applicable:
• The marriage certificate of the beneficiary(ies), and
• The birth certificate or baptismal certificate of any dependent children.

Please note that, when notified of a loss, the Insurer (Manulife Financial) mails the necessary forms and instructions to the beneficiary(ies) on record. Your beneficiary(ies) can also obtain the forms and assistance from a SISIP FS representative, or by calling the SISIP FS Ottawa Office.

• The day we receive notification in writing that you have withdrawn authorization for the payment of the required premiums;
• On the 61^st day following your effective date of release from the CF unless you transfer your coverage to the IRM option within that period of time;
• If you transfer from the Regular Force to the Reserve Force, your coverage will terminate on the 61^st day following your transfer unless you switch your coverage to the appropriate plan;
• At the certificate anniversary date following your 75^th birthday; or
• The date on which the group policy is terminated.