When you buy a home, you want security to go with it. Mortgage Disability Insurance1 can provide financial protection for your CIBC mortgage loan if you are no longer able to work due to a disability.

Mortgage Disability Insurance is underwritten by The Canada Life Assurance Company (Canada Life). Purchase of this insurance is optional and is not required to obtain any CIBC product or service.

Did you know?

76% of Canadian workers believe that a disability preventing them from working for three months would have serious financial consequences2.

Important documents and other information

Important documents

Your Certificate of Insurance will contain the full details of your coverage, including benefits, cost, eligibility conditions, as well as limitations and exclusions.

To help you make an informed decision, you can access sample certificates of insurance and other important documents below:

Information about CIBC

CIBC receives fees from the insurer, The Canada Life Assurance Company, for providing services to the insurer regarding this insurance. Also, the risk under the group policy may be reinsured, in whole or in part, to a reinsurer affiliated with CIBC. The reinsurer earns reinsurance income under this arrangement. Representatives promoting this Insurance on behalf of CIBC may receive compensation.

Frequently asked questions

For more information about product terms and conditions or further assistance, call CIBC's Creditor Insurance Helpline at 1-800-465-6020Opens your phone app..


Terms and conditions

1 Disability Insurance for CIBC Mortgage Loans is optional creditor’s group insurance underwritten by The Canada Life Assurance Company (Canada Life) and administered by Canada Life and CIBC. CIBC receives fees from Canada Life for providing services to Canada Life regarding this insurance. Also, the risk under the group insurance policy may be reinsured, in whole or in part, to a reinsurer affiliated with CIBC. The reinsurer earns reinsurance income under this arrangement. Representatives promoting this insurance on behalf of CIBC may receive compensation. This insurance is subject to eligibility conditions, limitations and exclusions (which are circumstances when benefits are limited or not paid). For the complete terms and conditions, review the sample Certificate of Insurance (PDF, 310 KB) Opens a new window in your browser..The information in these pages is general only. Products and their features may change at any time. In case of discrepancy between the information and examples provided on these pages and your Certificate of Insurance, your Certificate of Insurance prevails.

2 Source: Benefits Canada, Workers Unprepared for Financial Impact of Disabilities, January 20, 2015.

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