2: Mortgage Critical Illness and Life Insurance are optional creditor’s group insurance coverages. If a borrower or guarantor applies and is approved for coverage, suffers a loss covered under the Certificate of Insurance during the construction phase and the insured person’s claim is approved, a benefit will only be paid if the mortgage is fully advanced under the insured person’s name. For full terms and conditions, including benefits, restrictions, exclusions and limitations, please see the Certificate of Insurance. Accidental dismemberment coverage is underwritten by TD Life Insurance Company. All other coverages are underwritten by The Canada Life Assurance Company.