UV Insurance - Life InsuranceFounded Date: 1889
  • Term Insurance
    Permanent Insurance
    Child Insurance
    Group Insurance
    Critical Illness Insurance

Ensuring Peace of Mind for Canadians

uv insurance logo

In a world of uncertainties, having reliable insurance coverage is essential for protecting yourself and your loved ones.

UV Insurance, a trusted mutual company based in Drummondville, has provided flexible and customized life insurance, group insurance, and investment & retirement products for over 130 years.

UV Insurance aims to provide peace of mind to Canadians across the country by delivering innovative solutions and exceptional customer service.

A Brief History of UV Insurance

UV Insurance, formerly known as L'Union Saint Joseph, was founded on December 29, 1889, with the vision of creating a joint fund to support members in times of illness or death. Over the years, the organization grew and evolved, adapting to changing needs and expanding its operations. In 1957, it transitioned from a relief society to The Union Life Mutual Insurance Company, marking a significant milestone in its development.

Under the leadership of dedicated individuals such as Alexandre Mercure and Marcel Marier, UV experienced remarkable growth and success. It expanded its operations to Ontario and New Brunswick, acquiring several companies and policy portfolios. In 2016, the company rebranded and became UV Insurance to reflect better its nationwide presence and commitment to serving Canadians.

UV Insurance boasts a network of independent advisors, a solid financial position with over $2.5 billion in assets, and a team of nearly 200 dedicated employees. The company continues to evolve and innovate, guided by its mission to promote financial and overall health while delivering exceptional service to its policyholders.

Products and Services Offered by UV Insurance

UV Insurance offers a wide range of individual and group insurance products, as well as investment and retirement solutions, tailored to meet the unique needs of its clients. It covers you whether you're looking for life insurance, critical illness coverage, or retirement planning options.

Individual Life Insurance

UV provides individual life insurance products to protect you and your loved ones in unforeseen circumstances. Their simplified issue process makes obtaining coverage quick and hassle-free, with no medical exams, fluids, or extensive underwriting required. The coverage amounts range from $10,000 to $150,000, depending on the product and the insured's age.

  • Whole Life Pay to 100: UV Insurance's Whole Pay to 100 life insurance offers coverage for individuals aged 18 days to 80 years. It provides a simple and streamlined application process, allowing you to secure coverage without the need for extensive medical underwriting for coverage amounts up to $150,000.
  • Adaptable: Adaptable is a permanent life insurance option that offers coverage from 15 days to age 75. With fixed premiums and the potential for cash value accumulation, this product provides long-term financial protection for you and your loved ones.
  • Whole Life High Values: This product combines permanent life insurance coverage with a fixed premium payable for 20 years. It allows you to be insured for Life, with exceptional cash values and the potential to enhance your retirement income.

Term Life Insurance

Term life insurance products offer flexible coverage for a specified period, providing financial protection when needed most. Term life insurance is available for individuals aged 18 to 65, with coverage amounts ranging from $25,000 to $150,000.

  • T-10: A term ten policy offers ten-year coverage, providing peace of mind during a decade of financial obligations and responsibilities.
  • T-20: T-20 is a term life insurance product that offers coverage for 20 years, ensuring that your loved ones are protected throughout essential milestones and life events.
  • T-25: With coverage for 25 years, the T-25 policy provides long-term financial protection, allowing you to plan confidently for the future.
  • T-30: UV Insurance's T-30 policy offers coverage for 30 years, providing extended protection during significant life stages and beyond.

Critical Illness Insurance

In addition to life insurance, UV Insurance offers critical illness coverage to provide financial support in case of a severe illness or medical condition. Their AdapCI and AdapCI Juvenile products provide flexible coverage options, including coverage for critical illnesses, non-critical illnesses, and additional benefits.

  • AdapCI: AdapCI provides coverage for 24 critical illnesses, including cancer, heart attack, stroke, and more. It also offers coverage for four non-critical illnesses, ensuring comprehensive protection in times of need.
  • AdapCI Juvenile: AdapCI Juvenile is specifically designed to provide critical illness coverage for children aged 15 days to 15 years. It offers protection against 31 illnesses, including childhood diseases such as cerebral palsy, cystic fibrosis, and type 1 diabetes mellitus.

Credit Insurance Rider

Credit Insurance Rider provides additional peace of mind by protecting you from financial obligations in the event of total disability or death. This rider can be added to any permanent or term life insurance policy with a minimum insured amount of $20,000 and offers coverage for personal and commercial loans.

Whether you're looking for coverage for personal or business loans, UV Insurance's Credit Insurance Rider can provide the financial protection you need.

Children's Insurance

They offer insurance products designed to protect children and provide for their future. Their Early Learning and Juvenile 30/100 plans offer coverage for children from 0 to 15 years old, ensuring their financial security and well-being.

  • Early Learning: Early Learning provides insurance coverage for children from 0 to 36 months, offering protection from an early age. The coverage begins on the child's 15th day of Life and includes benefits for natural death, accidental death, dismemberment, fractures, and reimbursement of certain medical expenses.
  • Juvenile 30/100: Juvenile 30/100 is a plan that provides life insurance coverage for children aged 0 to 15. It offers a guaranteed insurability rider, allowing for additional coverage as the child grows. The plan also includes critical illness coverage equal to 10% of the life insurance amount.

Why Choose UV Insurance

When it comes to insurance, choosing the right provider is crucial. Here are some reasons why UV stands out from the crowd:

  • Simplified Issue Process: Offering a streamlined issue process for many of their products, making it easier and faster to obtain coverage. With no medical exams or extensive underwriting required, you can secure the protection you need without the hassle.
  • Flexible Coverage Options: Providing a wide range of coverage options, allowing you to tailor your insurance to your specific needs. Whether you're looking for term or permanent life insurance, critical illness coverage, or protection for your children, they have a solution for you.
  • Financial Strength: With over 130 years of experience, UV Insurance is a financially stable and reliable company. Their strong financial position ensures that they can fulfill their commitments to policyholders and provide long-term protection.
  • Exceptional Customer Service: Committed to delivering outstanding customer service. Their team of dedicated advisors and employees is there to guide you through the insurance process, answer your questions, and provide the support you need.
  • Community Involvement: UV is actively involved in supporting various organizations and initiatives in the communities

Immediate Coverage and Electronic Application

UV Insurance understands the importance of providing immediate coverage to individuals. Their simplified issue process allows for immediate coverage without lengthy underwriting. Applicants can choose from monthly pre-authorized debit (PAD), annual PAD, or annual check payment options for their premiums.

The electronic application process further simplifies the insurance application process. Through the "My Universe" portal, applicants can access the illustration and electronic application, making it convenient and efficient to apply for coverage. Electronic signatures are accepted on all individual insurance documents, provided a secure hyperlink recognizes them.

Serving Ontario and Beyond

While UV Insurance is based in Drummondville, Quebec, the company's products and services are available to individuals across Canada, including the provinces of Ontario, Manitoba and others. Our network of independent advisors ensures that individuals in Ontario, Manitoba and throughout Canada can access UV Insurance's flexible and customized insurance solutions.

UV Insurance's commitment to providing peace of mind extends beyond borders. The company actively supports various organizations and initiatives in the communities they serve. Through donations, sponsorships, and volunteer initiatives, UV contributes to the well-being of society, both locally and internationally.


For over 130 years, UV Insurance has been a trusted provider of flexible and customized insurance solutions. From simplified issue life insurance to coverage for children and credit insurance riders, UV offers a range of products designed to provide peace of mind. With a strong history, a commitment to community involvement, and a focus on customer service, UV Insurance continues to be a reliable choice for individuals and families seeking financial security. Whether in Ontario, Manitoba or across Canada, UV Insurance is dedicated to delivering innovative solutions that promote economic and overall health.