Mortgage Life Insurance and Mortgage Critical Illness Insurance, are optional creditor’s group insurance coverages for TD mortgage borrowers or guarantors.
如果您符合以下條件，則可以申請此保險：

• a Canadian resident; and either:
• 18–69 years old, for Mortgage Life Insurance; or
• 18–55 years old, for Mortgage Critical Illness Insurance

Mortgage Critical Illness Insurance is available only if you have Mortgage Life Insurance.

To learn more about eligibility conditions, limitations and exclusions, refer to the Certificate of Insurance & Important Documents above.

評估TD房屋貸款保障是否適合您十分重要。房屋貸款是一項長期的財務義務，而您為置業亦付出許多。 If you aren't sure whether TD Mortgage Protection is the right option for you, consider asking yourself the following questions:

• What would the impact be to my finances if my income is lost or reduced due to a covered critical illness?
• 如果我去世或身患承保範圍內的危疾，我的伴侶或共同借款人是否能夠自己承擔房屋貸款的還款義務？
• 是否有經濟上依賴我的親人？

想要更多支援？ Try our TD Protection Plans Assessment tool to learn more about our optional creditor insurance, and see your coverage options and premium quote.

保險從以下日期中最遲的日期開始生效：

• the mortgage approval date of the mortgage that later funds;
• the date you apply for coverage (see below for further information) or;
• the date you are notified in writing that your coverage is approved.

For Mortgage Life Insurance, coverage starts on the date you apply for coverage if: 

• the amount of total coverage for all your insured TD mortgages, including the amount you are applying for, is $500,000 or less; and
• you answer “No” to health questions 1_4  on the application.

For Mortgage Critical Illness Insurance, coverage starts on the date you apply for coverage if: 

• the amount of total coverage for all your insured TD mortgages, including the amount you are applying for, is $500,000 or less; and
• you answer “No” to all health questions on the application.

如果您對申請表中任何健康問題的回答為「是」，或者申請的總承保金額（包括任何現有承保）超過$500,000，則您需要填寫單獨的健康調查問卷。

If further health information is needed or the total requested coverage, including any existing coverage, is greater than $500,000 , you will be contacted by phone to complete a health interview.通常，申請人的平均等待時間為2-3個工作日。有關保險審批狀態的書面決定將郵寄給您。

NOTE: A benefit will be paid only if the mortgage is fully advanced under the insured person’s name.

To learn more about the coverage, including benefits, conditions and restrictions, refer to the Certificate of Insurance & Important Documents above.

Mortgage Life Insurance and Mortgage Critical Illness Insurance may end before your mortgage is fully paid.保險期可能結束的一些情況包括：

• you are no longer a borrower or guarantor on the mortgage.
• we pay a Life Insurance benefit to your mortgage.
• you have accumulated a total of 3 months of unpaid premiums.
• you die.
• 房屋貸款危疾保險會與房屋貸款人壽保險同日結束。

當您的保險期結束後，我們將退還我們可能欠您的任何保費。您可隨時取消。如果您在最初30日內取消保險，任何已支付的保費將被退還，保險也將視為從未生效。如果在最初30日內理賠，將不提供退款。

For complete details on when coverage ends, please refer to the Certificate of Insurance & Important Documents above.

根據房屋貸款的餘額，您可能有資格得到部分承保，讓您按照預算和保險需要制定個人化保險。 It allows you to select a percentage of your balance to insure, from $300,000 to $1,000,000.

如果投保的房屋貸款總餘額超過$1,000,000的承保上限，則我們可能向您提供部分承保。

在理賠通過審批時，該比例將應用於房屋貸款的未償付餘額。

To learn more about partial coverage options and to see examples, refer to the Certificate of Insurance & Important Documents above.

Your insurance premium is based on your selected coverage type, your age at application and the amount of your mortgage balance at the time of application; less any applicable discounts or premium rate reductions. Your premium rate will not increase during the life of your mortgage; provided your mortgage balance does not increase or you do not refinance your mortgage.

TD房屋貸款保障提供多重保險折扣。如果同一份房屋貸款保險有多位投保人，則每位投保人的保費可享受20%折扣。

我們還提供保費費率扣減，具體取決於申請時投保的房屋貸款餘額。

• a 15% premium rate reduction will apply to the portion of your insured balance that is between $150,000 and $500,000.
• a 35% premium rate reduction will apply to the portion of your insured balance that is between $500,000 and $1,000,000.

To learn more about how premiums are calculated and to see the premium rate table, please refer to the Certificate of Insurance & Important Documents above.

此保險設有某些限制和排除條件。以下是一些不支付保險賠付金的範例：

• if you are diagnosed with cancer (life-threatening) in the first 90 days after coverage starts, your Critical Illness Insurance coverage will be terminated, and premiums will be refunded.
• if you are diagnosed with a covered condition within 24 months of your coverage start date and the diagnosis is related to a pre-existing condition.
• if your loss is a result of intentional self-inflicted injury, suicide or attempted suicide.

如欲了解有關保險限制和例外情況的完整詳情，請參閱上方的保險憑證和重要文件。