You may have already taken the smart step to get the life insurance protection you need right now. But needs often change—so why not guarantee your ability to increase your coverage later, regardless of changes to your health?
The future insurance option (FIO) is a rider that lets you and your spouse increase your life insurance coverage by $50000 (subject to overall plan maximums) without having to provide proof of good health. 

As long as you are actively at work and under age 50, the FIO gives you and your spouse the option to increase your life insurance coverage within 60 days of one of the following events:

• Marriage or eligible common-law relationship.
• Birth or legal adoption of a child.
• Upon turning age 25, 30, 35, 40, 45, or 50 (if coverage was not increased for either of the above reasons in the previous two years).

The annual cost of this rider is only $30—a small price to pay for such a valuable benefit. To add the future insurance option rider to your life insurance coverage, contact a BCMA insurance administrator:

Lorie Arlitt
604 638-2882
Toll free 1 800 665-2262, ext. 2882
larlitt@bcma.bc.ca [9]

Karen Paul
604 638-2836
Toll free 1 800 665-2262, ext. 2836
kpaul@bcma.bc.ca [10]

—Sandie Braid, CEBS
BCMA Insurance