Attention: Please note that in response to government recommendations surrounding the prevention of the spread of the novel coronavirus, our head office staff are now working remotely and as such there may be delays in response times, we will return all messages as soon as possible.  We are also aware that network capacity may be an issue due to the current burden and as such it may be difficult to connect with our office via phone. Unfortunately there is nothing that can be done and we ask that you remain patient and try to reach us again or alternatively e-mail us at info@orange.ca.

Frequently Asked Questions

Keeping you in the know

Fraternal Benefit Societies

What is a fraternal benefit society?

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.

Membership

What is Orange Benefit Fund membership?

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. 

Who are Orange Benefit Fund Members?

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. 

Types of Insurance

What is the difference between Permanent insurance (whole life) and Term insurance?

Permanent Life Insurance provides coverage as long as you need it, which means coverage until you die. This type of insurance:

  • Costs more, which makes sense because as long as you continue to pay premiums, this type of insurance will always pay out a death benefit.
  • Usually offers a partial refund of premiums if, for some reason, you decide to cancel your policy before you die. This refund is called a “cash value”.
  • Often offers a variety of premium payment options. Some permanent insurance plans are payable for as long as they are in force (sometimes called Whole Life insurance), while other plans allow you to pay a larger premium for a shorter period of time, such as 20 years.
  • May offer a variety of additional benefits, either at no cost, such as a Terminal Illness Benefit, or for an additional premium, such as an Accidental Death Benefit.

 

Term Life Insurance is for a fixed term. Our term products, for instance, are either for 10 year periods of time or until age 70. At the end of the term period, the insurance may end, or you may be able to extend it for another term. You may also be able to convert your Term Insurance policy into a Permanent Insurance policy. This type of insurance:

 

  • Costs less than permanent insurance. Usually, the shorter the term period, the lower the premium.
  • Only pays a death benefit if you die during the term period. If you live beyond the term period, this plan does not pay a death benefit.
  • Does not include any cash value if you cancel it early, and
  • Like Permanent Insurance, may offer a variety of additional benefits, either at no cost, or for an additional premium.

What is No Medical & Simplified Issue insurance?

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.

How to buy life insurance

How do I purchase an Orange Benefit Fund life insurance product?

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.

Where do I find the prices for your life insurance products? How much are they?

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.

What are the steps involved in buying life insurance?

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.

My Policy

How do I make changes to my existing Orange Benefit Fund 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.

Payments and Premiums

If I would like to start direct billing, what frequency is available?

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

When will I receive my billing notice?

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

How do I change my banking information?

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

Why was there a delay taking the funds from my account?

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

Submitting a Claim

How do I submit a life insurance claim?

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.

What information do I need to submit a claim?

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.

What is a claimant’s statement?

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. 

How do I obtain a certified death certificate?

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.

How are claims paid?

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

Beneficiaries

Who is a beneficiary?

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.  

What is a contingent beneficiary?

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.

What happens if the beneficiary is an estate?

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.

What happens if the beneficiary is a minor child?

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.

Product Features

What is the Reduced Paid Up (RPU) feature?

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.

What is Cash Surrender Value (CSV)?

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, 

Fraternal Benefit Societies

What is a fraternal benefit society?

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.

Membership

What is Orange Benefit Fund membership?

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. 

Who are Orange Benefit Fund Members?

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. 

Types of Insurance

What is the difference between Permanent insurance (whole life) and Term insurance?

Permanent Life Insurance provides coverage as long as you need it, which means coverage until you die. This type of insurance:

  • Costs more, which makes sense because as long as you continue to pay premiums, this type of insurance will always pay out a death benefit.
  • Usually offers a partial refund of premiums if, for some reason, you decide to cancel your policy before you die. This refund is called a “cash value”.
  • Often offers a variety of premium payment options. Some permanent insurance plans are payable for as long as they are in force (sometimes called Whole Life insurance), while other plans allow you to pay a larger premium for a shorter period of time, such as 20 years.
  • May offer a variety of additional benefits, either at no cost, such as a Terminal Illness Benefit, or for an additional premium, such as an Accidental Death Benefit.

 

Term Life Insurance is for a fixed term. Our term products, for instance, are either for 10 year periods of time or until age 70. At the end of the term period, the insurance may end, or you may be able to extend it for another term. You may also be able to convert your Term Insurance policy into a Permanent Insurance policy. This type of insurance:

 

  • Costs less than permanent insurance. Usually, the shorter the term period, the lower the premium.
  • Only pays a death benefit if you die during the term period. If you live beyond the term period, this plan does not pay a death benefit.
  • Does not include any cash value if you cancel it early, and
  • Like Permanent Insurance, may offer a variety of additional benefits, either at no cost, or for an additional premium.

What is No Medical & Simplified Issue insurance?

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.

How to buy life insurance

How do I purchase an Orange Benefit Fund life insurance product?

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.

Where do I find the prices for your life insurance products? How much are they?

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.

What are the steps involved in buying life insurance?

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.

My Policy

How do I make changes to my existing Orange Benefit Fund 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.

Payments and Premiums

If I would like to start direct billing, what frequency is available?

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

When will I receive my billing notice?

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

How do I change my banking information?

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

Why was there a delay taking the funds from my account?

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

Submitting a Claim

How do I submit a life insurance claim?

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.

What information do I need to submit a claim?

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.

What is a claimant’s statement?

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. 

How do I obtain a certified death certificate?

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.

How are claims paid?

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

Beneficiaries

Who is a beneficiary?

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.  

What is a contingent beneficiary?

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.

What happens if the beneficiary is an estate?

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.

What happens if the beneficiary is a minor child?

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.

Product Features

What is the Reduced Paid Up (RPU) feature?

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.

What is Cash Surrender Value (CSV)?

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, 

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Orange Benefit Fund is Federally Registered and Provincially Licensed.

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