UV Life Insurance Review (2024) + Free Quotes

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Sunny Yadav updated on 5 July 2024

If you’re looking for reliable and flexible life insurance, UV Life Insurance might be just what you need. Based in Drummondville, Quebec, they’ve been protecting Canadians since 1889. Their Whole Life High Values and Adaptable plans offer fixed premiums and grow cash value over time, while their Superior+ term life insurance gives you coverage without the hassle of medical exams. Though premiums can be higher for older or less healthy individuals, UV Insurance makes it easier with no-exam policies and benefits like premium waivers. Whether you need term or lifelong coverage, UV Insurance is a solid choice for keeping your family secure.

UV Life Insurance: 5 Key Takeaways

  1. Offers simplified issue policies for hassle-free coverage without medical exams.
  2. No medical exams required for up to $500,000 in term life and $150,000 in permanent life.
  3. Whole life insurance with a 20-year payment option.
  4. Term life options: 10,15, 20, 25 or 30 years.
  5. Easy and quick online application process.

Our UV life insurance review 2024

UV Insurance offers a comprehensive range of life insurance products designed to meet diverse needs with flexibility and reliability. Its permanent life insurance plans, including Whole Life High Values and Adaptable options, provide fixed premiums and substantial cash values starting from the 10th policy year. This ensures financial security with options like complete surrender or borrowing against the policy's value. 

Additionally, UV's Whole Life Pay to 100 plan offers lifelong coverage with guaranteed premiums and access to cash values to enhance retirement income.

For those preferring term coverage, UV's Superior+ term life insurance offers customizable options from 10 to 30 years without medical exams for up to $500,000 coverage. The policy is renewable every 10 years until death, convertible to permanent insurance without further medical checks and includes benefits like severe loss of autonomy coverage.

UV's AdapCI critical illness insurance covers 24 critical illnesses and offers financial support for non-critical conditions, with the option to receive premium refunds and unique services like Teladoc assistance. The company also provides supplementary benefits such as accidental death coverage and waivers for premiums in cases of disability or loss of employment.

UV Life Insurance is best for Canadians needing flexible term or permanent life insurance, especially those who prefer no medical exams and want options like critical illness coverage and premium waivers.

You can get a personalized UV Life insurance quote and compare it with other options in the market. Use our free tool below to get free and instant life insurance quotes online.

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Pros and cons of UV life insurance


  • Quick and easy approval online.
  • Extensive no-medical coverage options offer great choices for those with health issues.
  • Flexible premium and payment terms, up to 20-year payment option for whole life insurance.
  • High surrender and cash values.
  • Additional critical illness and supplementary benefits.
  • Complimentary extreme disability benefit rider.


  • Premiums may increase over time, especially with renewable term policies.
  • Some riders may require additional costs, which increases the policy's overall cost.

What types of permanent life insurance does UV life insurance offer?

With permanent life insurance from UV Insurance, you can ensure your family’s financial security with the assurance of fixed premiums and a surrender value if your future needs change.

  • You can get coverage without a medical exam for amounts between $10,000 and $150,000, and no blood tests or doctor’s visits are needed.
  • Also, you get tax-free coverage from $10,000 to $2,000,000.
  • This insurance offers fixed and guaranteed premiums payable over 20 years, keeping you insured for life regardless of any changes in your health.

UV life insurance offers three types of permanent insurance policies:

1. Whole life high values

From the 10th year of your contract, you can access unique cash values (50% at age 65 or after 20 payments for those aged 46 and older). You can get options like:

  • Complete surrender: At age 65, cash value is maximized at 50% or $500,000.
  • Borrowing with UV
  • Partial surrender

2. Adaptable

This coverage is available without medical exams for amounts up to $150,000. No blood samples or doctor’s visits are required. Coverage ranges from $10,000 to $2,000,000.

Maximum flexibility:

  • 8 premium payment period options (minimum 20 years)
  • 20 payment options available from birth
  • Option to add paid-up insurance at issue or at the 3rd, 5th or 7th policy anniversary

Surrender values:

  • Among the highest in the industry
  • Available from the 10th policy anniversary
  • Partial or total surrender options
  • Borrowing against surrender value

Additional paid-up insurance:

  • Option to purchase paid-up insurance (Chapter B) at issue or at the 3rd, 5th or 7th policy anniversary
  • Available without proof of insurability
  • Adaptable finances up to 7 years after purchasing the policy
  • Whole Life Pay to 100

3. Whole life pay to 100

Again, no medical exams are required for amounts up to $150,000. No blood tests or doctor’s visits. Coverage ranges from $10,000 to $2,000,000.

  • Premiums guaranteed and payable to age 100.
  • Access cash values from the 5th contract anniversary to boost your retirement income.

What types of term life insurance policies does UV life insurance offer?

Whether you're a student, a new parent or a homeowner, UV’s Superior+ term life insurance provides comprehensive coverage for 10, 15, 20, 25 or 30 years.

This term life insurance is offered with simplified issue immediate underwriting, requiring no medical exams for coverage amounts from $150,001 to $500,000.

  • No blood tests or doctor visits are needed.
  • Coverage ranges from $10,000* to $500,000*, with the maximum eligible amount varying based on the insured's age.

Good to know

Superior+ term life insurance is both affordable and adaptable, ensuring your loved ones are covered in the event of your death.

Key features

  • Fixed annual or monthly premiums
  • Exchangeable terms: Terms of 10 and 20 years can be exchanged — fully or partially — without evidence of insurability, for a new term life insurance policy offered by UV Insurance with an initial premium payment period longer than the original plan.
  • Guaranteed renewable: Renewable every 10 years until death at a guaranteed premium, without evidence of insurability.
  • Convertible to permanent insurance: Convertible until age 70, without evidence of insurability.
  • Severe loss of autonomy benefit: Included free of charge. Before age 60, 50% of the initial insurance amount may be paid if you are unable to perform 4 out of 6 activities of daily living.
  • Optional add-ons: Possibility to add preapproved critical illness insurance and/or supplementary benefits.

UV life insurance for critical illness

AdapCI (24 illnesses) and AdapCI Juvenile (31 illnesses) — UV Insurance’s critical illness insurance — offers unparalleled flexibility.

  • With Chapter B, you can receive a partial refund of your premiums starting from the 10th policy anniversary or a full refund once all premium payments are completed.
  • If you pass away without using critical illness insurance, Chapter A ensures 100% of the premiums are paid to your beneficiary.


AdapCI provides financial relief for both critical and non-critical illnesses with maximum flexibility:

  • Tax-free coverage: Ranges from $10,000 to $2,000,000
  • Limited payments: Minimum of 20 years
  • Paid-up insurance option: Changeable at the 3rd, 5th or 7th policy anniversary without a medical exam
  • Coverage for 24 critical illnesses: Including cancer, heart attack and stroke
  • Coverage for 4 non-critical illnesses: Pays 10% of the insurance amount, up to $50,000
  • Return of premiums: Available after 10 years
  • Additional services: Includes medical, psychological, legal and housing assistance from Teladoc
  • Prolonged disability coverage: Unique in Canada, offering monthly payments for prolonged disability caused by a covered illness before age 65. Payments start 24 months after diagnosis, up to $1,500 per month, for a maximum of 2 years.

Children under 16 are automatically covered for 24 critical illnesses, 4 non-critical illnesses and 7 additional conditions:

  • Congenital heart disease
  • Cerebral palsy
  • Cystic fibrosis
  • Autism spectrum disorder
  • Rett syndrome
  • Type 1 diabetes mellitus
  • Muscular dystrophy

List of covered illnesses and conditions

  • Critical illnesses: Cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure, major organ transplant, aortic surgery, heart valve replacement, benign brain tumour, blindness, paralysis, congenital heart disease, cerebral palsy, autism spectrum disorder, Rett syndrome, type 1 diabetes mellitus, muscular dystrophy and more.
  • Non-critical illnesses: Coronary angioplasty, stage A prostate cancer, stage 1 malignant melanoma, ductal carcinoma in situ of the breast.

<strong>AdapCI Juvenile Plan for Under 16-year-olds</strong>

Children under 16 years old receive automatic coverage for 24 critical illnesses, 4 non-critical illnesses and additional illnesses such as congenital heart disease, cerebral palsy, cystic fibrosis, autism spectrum disorder, Rett syndrome, type 1 diabetes mellitus and muscular dystrophy.

How much does UV life insurance cost?

The premium amount depends on several factors, including:

  1. Your age: Younger applicants generally pay lower premiums than older ones.
  2. Your health: Health conditions can significantly impact your premium cost.
  3. The amount of coverage: The higher the death benefit, the more expensive the policy.
  4. The term length: A longer term (e.g., 30 years) will typically cost more than a shorter term (e.g., 10 years).
  5. Additional riders: Adding optional benefits to your policy, like a disability rider, will increase the premium.

On average, the cost of life insurance in Canada can range anywhere from $10 to $70 per month. To give you a better idea, here are some cost estimations for UV’s term life insurance:

UV Life Insurance Cost in Canada

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UV life insurance coverage for children

  1. Early learning insurance

Early learning insurance is now available for children from birth to 36 months. Coverage begins on the later of the child's 15th day of life or the date UV Insurance receives the detachable application. The initial 12-month coverage period is free and starts on the date the application is received.

  1. Juvenile 30/100 Plan

For a nominal cost, the Juvenile 30/100 plan offers a guaranteed insurability rider for children aged 0 to 15, along with financial protection in the event of critical illness or death.

Key features:

  • Fixed, guaranteed premiums: Insure your children or grandchildren aged 0 to 15 for up to $100,000 in life insurance.
  • Critical illness coverage: Includes coverage equal to 10% of the life insurance amount, up to $10,000.
  • Conversion to permanent insurance: At age 30, the protection converts to permanent insurance with a guaranteed premium.

Here's a table summarizing the life insurance and critical illness benefits:

Benefit TypeDetails
Life Insurance Benefits
Coverage increase
The life insurance amount and premium automatically increase by 10% per year for the first 10 years.
Term to 30 insurance converts at expiry into Term to 100 insurance at a competitive rate guaranteed in the contract.
Critical illness insurance
Coverage Amount
Coverage amount is 10% of the initial life insurance amount.
Covered major illnesses
Heart attack
Coronary artery bypass surgery
Covered childhood diseases
Cerebral palsy
Congenital heart disease
Cystic fibrosis
Muscular dystrophy
Type 1 diabetes mellitus
UV Life Insurance Coverage for Children

Supplementary benefits: accidental fracture coverage is available for as little as $4/month.

Can you get any additional protection for UV life insurance?

Absolutely! Here are your options:

Good to know

  1. Credit insurance rider: Covers outstanding debts if you become disabled or pass away, ensuring loan repayments.
  2. Waiver of premiums in the event of total disability (WPD): Waives insurance premiums if you become totally disabled, maintaining your coverage.
  3. Waiver of premiums in the event of death or total disability (WPDD): Waives premiums if the policyholder dies or becomes totally disabled, preserving coverage for beneficiaries.
  4. Preapproved critical illness insurance: Adds extra coverage for serious health conditions without additional medical exams or underwriting.
  5. Accidental death and dismemberment (AD&D): Provides financial protection for accidental death or severe injuries like loss of limbs or sight.
  6. Child rider: Extends life insurance coverage to children, offering a death benefit if a covered child passes away.
  7. Accidental fracture: Offers a benefit payment for bone fractures resulting from an accident.
  8. Waiver of premiums in the event of loss of employment (WPLE): Waives insurance premiums during periods of unemployment, ensuring continuous coverage.

UV Insurance also offers insurance for Mydignity and Paramed+ products.

How to file a claim for UV life insurance?

UV Insurance offers a bunch of links to life insurance claim forms on its website.

For instance, you can use the following form as a settlement death claim form for life insurance issued less than 10 years ago or for a value of over $200,000):

How to contact UV life insurance?

If you have any questions about filling out the form or need assistance, you can reach out to the company at 819-478-1315 or 1-800-567-0988, extension 2063.

  • To submit completed forms or other documents, you can mail them to our address: P.O. Box 696, Drummondville, Quebec J2B 6W9.
  • Alternatively, you can fax them to 819-474-1990 or submit them through your financial security advisor.
  • Email: [email protected]

That's all we have to share for UV life insurance. To ensure that you don't miss out on any coverage details, get in touch with UV insurance and talk to someone from the team.

But before you decide to buy life insurance from UV, compare it with other options to be super sure that this is the one need. Feel free to use our comparator for the same.

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Sunny Yadav Copywriter

Sunny has over six years of experience curating engaging content spanning across industries. Specifically in finance, his expertise is insurance reviews and lending and investment topics.