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HuGO Life Insurance

You can choose a Term Life Insurance policy of 10, 15, 20, 25 or 30 years with a fixed premium. At the end of the coverage period, the policy will automatically renew.

A fixed-premium term policy of up to 80 years is also available.

HuGO gives you plenty of latitude to tailor your coverage to your current and future needs. If your needs change, you can switch to a long-term contract or convert to a T100 policy.

For more information on life insurance, please contact your financial advisor.

Benefits available

Minimum $50,000, maximum $5M

Age limit upon purchase

Available to people aged 18 to 70 inclusively (varies according to term). Age at nearest birthday.

Contract duration

  • Term of 10, 15, 20, 25 or 30 years, depending on the option selected by the policyholder.
  • Fixed term at age 80 or 100.


Guaranteed to age 80.

Two renewal options:

  • Gold
  • Platinum


Conversion privilege up to age 65 for terms of 10, 15, 20, 25, 30 and 80.

Exchange privilege

Offered as of the first policy anniversary and before the fifth policy anniversary.

Contract type

The premium is guaranteed for the duration of the contract.


As designated by the policyholder.


  • Accidental Death and Dismemberment Rider
  • Total Disability Waiver of Premium Rider
  • Dependent Child Life Insurance Rider

Exclusions and restrictions

There are no pre-existing conditions. Please refer to the life insurance policy specimen document for full details.