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Are Newcomers to Canada Eligible For Life Insurance?







In 2022, Canada welcomed more than 400,000 people in our country.


Many of these individuals left their homes, their relatives, and their jobs, in search for a better life here in Canada.


A top priority for newcomers to Canada is security.


A secure home.


A secure income.


A secure life.


An easy way to provide peace of mind and security, is through life insurance.


Believe it or not, many newcomers to Canada (depending on the country), are forced to forfeit their existing life insurance polices from their native lands, now that they no longer live in the country.


The question stands - can newcomers to Canada qualify for life insurance?


The answer is yes.


Every insurance company is a bit different in what their requirements are to qualify for life insurance, and they also separate newcomers to Canada by category.


Below is an example of what Empire Life (an insurance company here in Canada) requires for each type of newcomer to Canada, in order to qualify for life insurance and/or critical illness insurance:


Empire Life Requirements


Permanent Resident

  • Must be a Canadian Citizen or have a permanent resident card. If the insured has not received their permanent resident card but has a letter of acceptance, we require a copy of that letter for consideration


Temporary Resident

  • Resident of Canada for at least 3 months

  • Submit valid work permit– if within 3 months of expiry date an extension must have been applied for (copy of renewal) or submit copy of acknowledgement of permanent resident status application

  • Submit letter of intent to remain in Canada permanently if applying for $500,000 or less

  • Submit a copy of acknowledgement of permanent resident status application if applying for > $500,000


Post-Graduate Work Program

  • Resident of Canada for at least 3 months

  • Submit letter of intent to remain in Canada permanently

  • Submit valid work permit under the PGWP – if within 3 months of the expiry date an extension must have been applied for (copy of renewal) or submit copy of acknowledgement of permanent resident status application


Student Visa

  • Resident of Canada for at least 3 months

  • Submit details regarding program of study, educational institution, length of program

  • Submit letter of intent to remain in Canada permanently after graduation

  • Submit valid student visa/study permit – if within 3 months of the expiry date an extension must have been applied for (copy of renewal) or submit copy of acknowledgement of permanent resident status application


Convention Refugees

  • Resident of Canada for one year and working full-time

  • Submit copy of documentation confirming temporary residence (example: convention refugee documentation)

  • Submit copy of acknowledgement of permanent resident status application

  • Valid work permit–if within 3 months of the expiry date an extension must have been applied for


Spouses and Dependent Children

  • Refer to residency status of spouse or parent

  • Submit copy of acknowledgement of permanent resident status application

  • Must reside in Canada


Live-in Nanny/ Caregiver

  • Life – No minimum residency requirement

  • CI – Resident of Canada for six months

  • Must be participating in the Live-In Caregiver Program and working as a Nanny

  • Copy of documentation is not a requirement, however may be requested at the Underwriter’s discretion


Foreign Trained Medical Doctor and Skilled/ Professional Workers (e.g. nurses, lawyers, engineers, pharmacists)

  • No minimum residency requirement in Canada for Life

  • Resident of Canada for three months for CI

  • Must live and work in Canada and have a valid work permit with the intention to stay permanently in Canada

  • If work permit is within 3 months of the expiry date an extension must have been applied for

  • Doctors – Submit copy of working contract and be part of a provincial program

  • Others – Submit a copy of valid residency documentation, such as SIN number or Immigration papers



As I mentioned, each insurance carrier has their own way of doing things, but in most cases, newcomers to Canada are eligible for life insurance, provided they have the correct documentation in order.


If you have questions, or would like a free life insurance quote, don't hesitate to email us at dan@smartstartinsurance.ca. You may also give us a call directly at 647-393-3474.


Thanks for reading!


- Dan



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