Frequently Asked Questions

A fraternal benefit society is a not-for-profit organization that unites individuals with a common bond and provides mutual aid programs for the benefit of its members and the broader community.  To find out more, visit our Fraternal Benefit Societies page.

At Orange Benefit Fund we’re proud to help everyday families achieve long-term financial health and security. But we’re more than a financial services provider. Through our heritage as a fraternal benefit society, we provide members with valuable member benefits and an opportunity to give back through volunteering opportunities that directly affect local communities. To find out more, visit our About Us, Fraternal Benefit Societies, and Governance pages. 

In Canada, Orange Benefit Fund members are anyone insured under a life or health insurance policy issued by Orange Benefit Fund.  To find out more, visit our About Us, Fraternal Benefit Societies, and Governance pages. 

No Medical & Simplified Issue insurance is typically underwritten with just a few medical questions, no doctors and no tests. It typically takes just a few days to be issued.

This type of insurance tends to be for smaller amounts of insurance and/or applicants who have more health issues.

Orange Benefit Fund specializes in No Medical & Simplified Issue life insurance. And we offer both permanent insurance and term insurance options.

Orange Benefit Fund life insurance and annuity products are available through our network of independent advisors. If you have an insurance agent, simply ask about Orange Benefit Fund products. If you do not have an advisor, contact us and we would be happy to introduce you to someone in your area.

The cost of life insurance payments depends on many factors including the amount of coverage you want, your age, financial situation, and other lifestyle factors. To get an idea of pricing for your coverage, try our quote tool.

Once you have determined that you need life insurance, there are three main steps involved in buying life insurance:

1. You will need to complete the application which asks for basic information, such as your name and address and asks for personal information such as health, lifestyle and financial details.
2. With the help of your financial advisor, choose the product that is right for you and submit the application.
3. Finally, the Orange Benefit Fund will review your application and if your application is approved, they will issue you a policy.

If you want to make any changes to your Orange Benefit Fund insurance you should first contact your life insurance agent. You may also contact our Member Service Centre at 800 565 6248 x 203.

You can select direct billing on a monthly, semi-annual or annual basis.

Billing notices are mailed 1 month prior to your due date.

To change your banking information, mail or fax a letter along with a void cheque, or pre-authorized debit from from your bank (PAD form), to Orange Benefit Fund

If your draft date falls on a weekend then the funds will be taken out on the next business day.

To start, call our toll-free claims number at 800 565 6248 to report the death. Our hours of operation are 9 a.m. to 4 p.m. ET Monday to Thursday. A claims customer service representative will help you complete your claim. To do this, they will need the name of the insured, the date and cause of death and the name, address, and telephone number of the person who should be contacted. Then, we will send you a claim package to complete.

To submit a claim, the beneficiary needs to complete a claimant’s statement and provide a certified death certificate. If the death is due to an accident or homicide, the beneficiary should also provide a copy of the police report and/or the coroner’s report. Additional medical information may be necessary. However, the best thing to do is to call one of our customer representatives at 800 565 6248 for help through this process.

A claimant’s statement contains two sections; one section is for information about the deceased and the other section is for medical information. All beneficiaries (or executor/trustee/guardian if applicable) must complete a claimant’s statement. 

Most funeral homes will help the family of the deceased obtain a certified death certificate. You can also apply for this document on the deceased’s provincial or territorial government website. Certified death certificates have either a raised seal or a multicolored signature seal from the city or province that issued the certificate. In addition, the original death certificate should contain the signature of an appropriate officer of the county, city or state.

Claims can be paid by cheque to the beneficiary’s address which is provided on the claimant’s statement. 

A beneficiary is the person (or other party) who has been designated to receive the life insurance proceeds upon the death of the insured person. The beneficiary is named in the insurance application when a policy is taken out and can be changed at the request of the policy owner.  

A contingent beneficiary is the person or party who has been designated to receive the life insurance policy proceeds if the primary beneficiary should die before the person whose life is insured.

When the beneficiary is an estate, the court-appointed executor should submit a complete claimant’s statement, certified death certificate (medical authorization if applicable) and a copy of the court papers appointing the individual as the executor of the estate.

To add a child under the age of 18, the policy owner must specify a Trustee for the child on the application or using a Change of Beneficiary (COB) form.

The Reduced Paid Up feature of a Life Insurance policy allows for the continuation of the life insurance coverage without the paying of additional premiums; however, the face value (death benefit) of the original policy is reduced. Usually, this feature is available after the policy holder has had the policy in force for certain time period of time.

Cash Surrender Value is amount the holder of a permanent life insurance policy is entitled to receive, if it is cancelled before the death of the insured or before the policy matures. This sum is based on the insurance premium paid up to the surrender date less surrender fee. Also called cash value or surrender value, 

A fraternal benefit society is a not-for-profit organization that unites individuals with a common bond and provides mutual aid programs for the benefit of its members and the broader community.  To find out more, visit our Fraternal Benefit Societies page.

At Orange Benefit Fund we’re proud to help everyday families achieve long-term financial health and security. But we’re more than a financial services provider. Through our heritage as a fraternal benefit society, we provide members with valuable member benefits and an opportunity to give back through volunteering opportunities that directly affect local communities. To find out more, visit our About Us, Fraternal Benefit Societies, and Governance pages. 

In Canada, Orange Benefit Fund members are anyone insured under a life or health insurance policy issued by Orange Benefit Fund.  To find out more, visit our About Us, Fraternal Benefit Societies, and Governance pages. 

No Medical & Simplified Issue insurance is typically underwritten with just a few medical questions, no doctors and no tests. It typically takes just a few days to be issued.

This type of insurance tends to be for smaller amounts of insurance and/or applicants who have more health issues.

Orange Benefit Fund specializes in No Medical & Simplified Issue life insurance. And we offer both permanent insurance and term insurance options.

Orange Benefit Fund life insurance and annuity products are available through our network of independent advisors. If you have an insurance agent, simply ask about Orange Benefit Fund products. If you do not have an advisor, contact us and we would be happy to introduce you to someone in your area.

The cost of life insurance payments depends on many factors including the amount of coverage you want, your age, financial situation, and other lifestyle factors. To get an idea of pricing for your coverage, try our quote tool.

Once you have determined that you need life insurance, there are three main steps involved in buying life insurance:

1. You will need to complete the application which asks for basic information, such as your name and address and asks for personal information such as health, lifestyle and financial details.
2. With the help of your financial advisor, choose the product that is right for you and submit the application.
3. Finally, the Orange Benefit Fund will review your application and if your application is approved, they will issue you a policy.

If you want to make any changes to your Orange Benefit Fund insurance you should first contact your life insurance agent. You may also contact our Member Service Centre at 800 565 6248 x 203.

You can select direct billing on a monthly, semi-annual or annual basis.

Billing notices are mailed 1 month prior to your due date.

To change your banking information, mail or fax a letter along with a void cheque, or pre-authorized debit from from your bank (PAD form), to Orange Benefit Fund

If your draft date falls on a weekend then the funds will be taken out on the next business day.

To start, call our toll-free claims number at 800 565 6248 to report the death. Our hours of operation are 9 a.m. to 4 p.m. ET Monday to Thursday. A claims customer service representative will help you complete your claim. To do this, they will need the name of the insured, the date and cause of death and the name, address, and telephone number of the person who should be contacted. Then, we will send you a claim package to complete.

To submit a claim, the beneficiary needs to complete a claimant’s statement and provide a certified death certificate. If the death is due to an accident or homicide, the beneficiary should also provide a copy of the police report and/or the coroner’s report. Additional medical information may be necessary. However, the best thing to do is to call one of our customer representatives at 800 565 6248 for help through this process.

A claimant’s statement contains two sections; one section is for information about the deceased and the other section is for medical information. All beneficiaries (or executor/trustee/guardian if applicable) must complete a claimant’s statement. 

Most funeral homes will help the family of the deceased obtain a certified death certificate. You can also apply for this document on the deceased’s provincial or territorial government website. Certified death certificates have either a raised seal or a multicolored signature seal from the city or province that issued the certificate. In addition, the original death certificate should contain the signature of an appropriate officer of the county, city or state.

Claims can be paid by cheque to the beneficiary’s address which is provided on the claimant’s statement. 

A beneficiary is the person (or other party) who has been designated to receive the life insurance proceeds upon the death of the insured person. The beneficiary is named in the insurance application when a policy is taken out and can be changed at the request of the policy owner.  

A contingent beneficiary is the person or party who has been designated to receive the life insurance policy proceeds if the primary beneficiary should die before the person whose life is insured.

When the beneficiary is an estate, the court-appointed executor should submit a complete claimant’s statement, certified death certificate (medical authorization if applicable) and a copy of the court papers appointing the individual as the executor of the estate.

To add a child under the age of 18, the policy owner must specify a Trustee for the child on the application or using a Change of Beneficiary (COB) form.

The Reduced Paid Up feature of a Life Insurance policy allows for the continuation of the life insurance coverage without the paying of additional premiums; however, the face value (death benefit) of the original policy is reduced. Usually, this feature is available after the policy holder has had the policy in force for certain time period of time.

Cash Surrender Value is amount the holder of a permanent life insurance policy is entitled to receive, if it is cancelled before the death of the insured or before the policy matures. This sum is based on the insurance premium paid up to the surrender date less surrender fee. Also called cash value or surrender value,