Mortgage Life Insurance and Mortgage Critical Illness Insurance, are optional creditor’s group insurance coverages for TD mortgage borrowers or guarantors.
如果您符合以下条件，则可以申请此保险：

• 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.

评估TD房屋贷款保障是否适合您十分重要。房屋贷款是一项长期的财务义务，而且您为购置房屋付出了辛勤的努力。 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范围内的危疾，我的伴侣或共同借款人是否能够自己承担房屋贷款的还款义务？
• 是否有经济上依赖我的亲人？

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

保险从以下日期中最晚的日期开始生效：

• 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.

如果您对申请表中任何健康问题的回答为“是”，或者申请的总承保金额（包括任何现有承保）超过$500,000，则您需要填写单独的健康调查问卷。

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，申请人的平均等待时间为2-3个工作日。有关保险审批状态的书面决定将邮寄给您。

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 。

Mortgage Life Insurance and Mortgage Critical Illness Insurance may end before your mortgage is fully paid.保险期可能结束的一些情况包括：

• 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.
• 房屋贷款危疾保险的保险期将与房屋贷款人寿保险的保险期同日结束。

当您的保险期结束后，我们将退还我们可能欠您的任何保费。您可随时取消。如果您在最初30日内取消保险，已支付的任何保费将被退还，保险也将视作从未生效。如果在最初30日内理赔，将不提供退款。

有关保险何时终止的完整详情，请参阅上面的保险凭证和重要文件。

根据房屋贷款的余额，您可能有资格享受部分承保，让您可以根据预算和保险需求对保险进行定制。 It allows you to select a percentage of your balance to insure, from $300,000 to $1,000,000.

如果投保的房屋贷款总余额超过$1,000,000的承保上限，则我们可能向您提供部分承保。

在理赔通过审批时，该比例将应用于房屋贷款的未偿付余额。

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

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房屋贷款保障提供多重保险折扣。如果同一份房屋贷款保险有多位投保人，则每位投保人的保费可享受20%折扣。

我们还提供保费费率扣减，具体取决于申请时投保的房屋贷款余额。

• 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.

此保险设有某些限制和排除条件。以下是一些不支付保险赔付金的示例：

• 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.

如要了解有关保险限制和例外情况的完整详情，请参阅上方的保险凭证和重要文件。