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Rest easy knowing your line of credit can be protected for less than you think.


AN OFFER FOR RBC® CLIENTS:


PROTECTION FOR LINE OF CREDIT PAYMENTS

Tell Me More

Hello Jessica Anne,

As a valued RBC client, take comfort in knowing your line of credit payments can
be protected with an optional insurance coverage designed to help keep your
plans on track if you are not able to. With LoanProtector Insurance1 you can
rest easy knowing if you were to suffer a covered critical illness, disability,
or loss of life, your line of credit payments may be covered, reduced and in
some cases completely paid off.2


LOANPROTECTOR INSURANCE AT A GLANCE:

Plans may cost less than you think: You could pay as little as $1.20/month on a
$10,000 line of credit, depending on your age.3

 

Applying is simple: In most cases, acceptance is automatic—no need to answer any
health-related questions.4

 

Plans are customizable: Start with life insurance and add either disability
insurance or critical illness insurance for even more protection.

 

Complements existing insurance: It provides additional coverage for your debt
and is complementary to plans you may already have.


YOU’RE ELIGIBLE TO APPLY FOR LOANPROTECTOR INSURANCE.

Tell Me More

 
 

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RBC Royal Bank | Royal Bank of Canada
RBC WaterPark Place, 88 Queens Quay West, 12th Floor, Toronto, ON, M5J 0B8,
Canada
www.rbcroyalbank.com

®/TM

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered
trademarks of Royal Bank of Canada.

©

Royal Bank of Canada 2022

 

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Legal Disclaimers

1

LoanProtector insurance is an optional creditor’s group insurance program,
underwritten by The Canada Life Assurance Company, and is subject to terms,
conditions, exclusions and eligibility restrictions. To be eligible to apply for
LoanProtector life insurance, you must be:

•

The individual borrower or co-borrower of an eligible RBC Royal Bank® personal
loan or line of credit

•

under age 70 on the date you apply

 

To be eligible to apply for LoanProtector disability insurance, you must also:

•

Have LoanProtector life insurance coverage

•

Be actively working on the date of your application*

 

Actively working means you are gainfully employed in full-time or
self-employment at least 20 hours a week; or on maternity or parental leave but
capable of performing the regular duties of your employment or occupation; or
employed seasonally for at least 20 hours a week during the work season, which
has a beginning and end, and you have a proven work history as a seasonal
employee, you expect to return to the same occupation the next season and you
are currently capable of performing the regular duties of your seasonal
employment.

 

To be eligible to apply for LoanProtector critical illness insurance, you must
also:

•

Have LoanProtector life insurance coverage

•

Be under age 56 on the date you apply

 

Note: You cannot be insured for both critical illness and disability insurance
at the same time on the same loan or line of credit.

2

Benefit maximums: life coverage – the qualifying balance of your Royal Credit
Line to a maximum of $500,000; critical illness coverage – the qualifying
balance of your Royal Credit Line to a maximum of $300,000; disability coverage
– pays 3% of the qualifying balance of your Royal Credit Line up to $3,000 per
month for a maximum of 24 months. Your qualifying balance is defined as the
lesser of: the outstanding balance as of the date of your death/diagnosis of a
covered critical illness/disability; or the average monthly balance for the 12
months prior to the month in which your death/diagnosis of a covered critical
illness/disability occurred.

3

This quote is based on an 18-30 year old, with life only coverage. This payment
amount is not guaranteed as the cost of LoanProtector® insurance will vary
depending on your age, type of coverage, number of covered borrowers, and the
applicable provincial tax rate (tax is not included in the illustrated payment
amount). For Royal Credit Lines, premium calculations also depend on the daily
balance of your account. Values calculated based on a 31-day month average.
Values calculated based on a 31-day month average. For complete details on how
premiums are calculated, please see the LoanProtector Certificate of Insurance.

4

If your total insured loans and Royal Credit Line limit (including what you are
applying for) is $100,000 or less, your application is not subject to health
questions.