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Life Insurance

Life insurance is an important part of a responsible financial plan and can provide many benefits. It can help protect your family or business, help ensure you have a comfortable retirement, and help you create a tax-sheltered savings plan for you and your family. We’re here to help you discover life insurance that’s right for you.

Designed specifically to meet your members’ needs, our comprehensive portfolio of life products provides coverage for critical illness, temporary life insurance and permanent life insurance.

Sign into CUMIS Illustrations

Sign into LIFE Pages

Our full range of products include:

  • Versatile Term riders can also be added to our permanent products
  • Disability and Critical Illness insurance riders on the above policies
  • Accidental Injury Hospital Cash Plan
  • Accidental Death Insurance


Critical Assist® pays you a lump sum tax-free benefit1 if you are diagnosed with one of 25 full payout Covered Conditions, or one of four Early Assist partial payout conditions. This payment of $25,000 to $2 million allows you to focus on what's important – your recovery and rebuilding your lifestyle. It gives you the freedom to seek the best medical care, pay outstanding debts, replace lost income or pay for caregivers or childcare – whatever you need.

1Tax rules and regulations may change at any time.


Critical Assist® - Head Start covers your child for 32 full payout conditions (including seven childhood-specific conditions) and four Early Assist Partial Payout Conditions. Benefits range from $25,000 to $250,000; you choose the amount. Children are eligible for the plan at 30 days old until age 17 and the policy expires at the anniversary nearest age 75.


  • Coverage lengths for 10-Year, 25-Year, Level to age 75 or Level 20-Pay
  • Premium Payback at death (PPD)
  • Access to world-leading medical knowledge through the Teladoc Medical Experts® program
  • Telephone counselling upon diagnosis of a covered condition
  • Conversion from 10-Year or 25-Year to Level to age 75 or Level 20-Pay available without additional underwriting


Whole Life is for those who want lifetime coverage with built-in savings, the comfort of guaranteed premiums and the ability to earn dividends. Whole Life covers all permanent insurance needs, including funeral costs, estate settlement costs, paying debt, and any other financial need.


  • Guaranteed cash values that can provide you with access to the funds through partial surrenders and policy loans
  • Policy dividends (not guaranteed), which allow you to share profits based on the participating account performance and are payable after the first policy anniversary
  • Automatic premium loans, where accumulated cash values can keep your policy in force if you are unable to pay premiums for a period of time
  • An option to pay premiums for the life of the policy, for 20 years, or for 10 years
  • Children’s coverage with our Whole Life – Head Start policies to ensure your loved one is covered for life
  • Coverage starts at $25,000 and is available between the ages of 0 to 80

The following guides are available with more information on our Whole Life products:

Whole Life Protector Guide To Understanding Booklet

Whole Life Ascend Guide To Understanding Booklet

CUMIS Whole Life policies are underwritten by Co-operators Life Insurance Company and are a part of the Cooperator’s participating account. This allows CUMIS Whole Life policyholders to benefit from the Co-operators history of strong and stable dividends. The following policies describe the Co-operators dividends and participating account:

Co-operators Participating Account Management Policy

Co-operators Policyholder Dividend Policy


Our Infinity Term product allows you choose the payment option that best suites you. Infinity Term Life-pay is appropriate for those who want the guaranteed, level premiums of permanent insurance at a reasonable cost. Infinity Term 20-Pay is designed for consumers who want to pay premiums over a short period of time. In this case, the plan becomes fully paid-up after premiums have been paid for 20 years.


  • Coverage amounts range from $25,000 to $10 million
  • Available to individuals ages 0 to 80 for Life-Pay and 0 to 70 for 20-Pay
  • Guaranteed insurance protection for life as long as the policy is in effect
  • Guaranteed level premiums that are fully paid-up at age 110
  • Preferred rates are available to those who qualify


Universal Life insurance grows and adapts with you throughout your life. It combines the protection of life insurance with the ability to accumulate funds on a tax deferred basis. It is a permanent and flexible insurance plan that you can adjust as your needs change.


  • Coverage amounts range from $25,000 to $10 million
  • Available to individuals ages 0 to 80
  • Guaranteed cost of insurance rates
  • Guaranteed loyalty bonus based on policy size and duration
  • Disability lump sum benefit
  • Risk charges stop at age 106 and coverage remains permanent
  • Customizable investment options based on risk level
  • Preferred rates are available to those who qualify


Our easy-to-purchase Versatile Term product offers affordable coverage with flexible term lengths that pays benefits only when you pass away during the specified period.


  • Term lengths of 10, 15, 20, 25 and 30 years
  • Coverage amounts ranging from $25,000 to $10 million
  • Coverage for individuals ages 16 to 85 years less the selected term length
    • For example, the maximum issue age for a Versatile Term 10 policy is 75 years
      (85 years – 10-year term = 75 years)
  • Guaranteed premium rates during initial level term duration
  • Guaranteed renewal rates with annual increases
  • Preferred rates for those who qualify

For more information on CUMIS Individual Life products, review our support documentation and marketing materials on LIFE Pages.

Contact us

CUMIS Illustration Quotes

Weekdays 8 a.m. to 8 p.m. EST

Phone: 1-800-263-9120


CUMIS Life Illustration and E-App Support

Weekdays 8 a.m. to 6 p.m. EST

Phone: 1-866-822-2022


CUMIS LIFE Pages Support

Weekdays 8 a.m. to 8 p.m. EST

Phone: 1-800-263-9120 Ext. 605828