With disability insurance1, your family won’t have to worry about making the payments on your CIBC Personal Loan if you can no longer work due to a disability.

Disability Insurance for CIBC Personal Loans is underwritten by The Canada Life Assurance Company (Canada Life). Purchase of this insurance is optional and isn’t required to obtain any CIBC product or service.

Did you know?

76% of Canadian workers believe that a disability preventing them from working for 3 months would have serious financial consequences.2

Important documents and other information

Important documents

Your certificate of Insurance will contain the full details of your coverage, including benefits, cost, eligibility conditions, 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 affiliated with CIBC may earn reinsurance income under this arrangement. Representatives promoting this insurance on behalf of CIBC may receive compensation.

Frequently asked questions

Get started

For more information about product terms and conditions or further assistance, visit one of our banking centres  or call CIBC’s Creditor Insurance Helpline at 1-800-465-6020Opens your phone app..


Terms and conditions

1 Disability Insurance for CIBC Personal 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 affiliated with CIBC may earn 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), including pre-existing medical/health condition exclusions. For the complete terms and conditions,  review a sample copy of the Certificate of Creditor Insurance for CIBC Personal Loans (PDF, 835 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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