The TD Critical Accident Recovery Plan, TD Accidental Death Insurance Plan and TD Accident Disability Insurance Plan are group insurance plans designed exclusively for customers of The Toronto-Dominion Bank. The TD Critical Illness Recovery Plan is an individual insurance plan. TD Term Life Insurance and TD Guaranteed Acceptance Life Insurance are individual life insurance plans. All plans are underwritten by TD Life Insurance Company and distributed by TD Assurance Agency Inc. See each plan's Insurance Certificate or Policy for complete terms and conditions, including eligibility requirements, benefits, features, limitations and exclusions.

TD Insurance Multi-Trip All-Inclusive Plan, TD Insurance Single-Trip Medical Plan, TD Insurance Multi-Trip Medical Plan and TD Insurance Trip Cancellation & Interruption Plan are individual insurance plans administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip All-Inclusive Plan and TD Insurance Trip Cancellation & Interruption Plan are underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). TD Insurance Single-Trip Medical Plan and TD Insurance Multi-Trip Medical Plan are underwritten by TD Life Insurance Company. Coverages and benefits are subject to eligibility requirements, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the policy for full details.

TD Insurance personal lines residential and automobile insurance policies are underwritten by TD General Insurance Company in Ontario and Primmum Insurance Company in the rest of Canada. They are distributed by TD Insurance Direct Agency Inc.

The TD Insurance Meloche Monnex home and auto insurance program for professionals and alumni is underwritten by Security National Insurance Company and distributed by Meloche Monnex Insurance and Financial Services Inc. in Québec, and TD Insurance Direct Agency Inc. in the rest of Canada.

The TD Insurance Meloche Monnex home and auto insurance program for members of employer groups is underwritten by Primmum Insurance Company. It is distributed by Meloche Monnex Insurance and Financial Services Inc., Damage Insurance Agency in Québec, and by TD Insurance Direct Agency Inc. in the rest of Canada.

TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec, and TD Insurance Direct Agency Inc. in the rest of Canada.

¹GSC Health Assist plans are provided by Green Shield Canada (GSC).

² Based on user ratings on Google Play, as of September 15, 2025.  The TD Insurance app is free to download, however standard wireless carrier message and data rates may apply.  

Android is a trademark of Google Inc.

Google Play is a trademark of Google LLC.

³ Based on ratings on the App Store as of September 15, 2025.  The TD Insurance app is free to download, however standard wireless carrier message and data rates may apply. 

®Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

⁴ Instant approval is subject to the responses you provide to certain health and lifestyle questions in your application and is available for coverage up to $1,000,000 if you are under 50 years old.

⁵ Nationally, as of April 25, 2025, new customers (with insurance policies underwritten by either Security National Insurance Company, Primmum Insurance Company, TD General Insurance Company and TD Home And Auto Insurance Company) who insured their homeowner policy with us and who met the claims-free savings criteria applicable to their province or region with regard to the number of years spent claims-free, saved an average of 25%, expressed regionally as:

30% in Ontario
25% in Quebec
25% in Alberta, British Columbia, Yukon, Nunavut, and Northwest Territories
20% in Saskatchewan and Manitoba
20% in the Atlantic Provinces

when compared to the premium they would have paid if, within the previous 12 months, they made a claim that would have negatively affected their premium. These claims vary by province. Savings are not guaranteed and vary based on the customer's profile and province/region.

⁶ TD Customer Home Insurance Discount 
TD Insurance refers collectively to the following insurance companies:
Security National Insurance Company;
Primmum Insurance Company;
TD General Insurance Company;
TD Home and Auto Insurance Company; and
TD Life Insurance Company
TD Insurance home and condominium insurance policies are distributed by TD Insurance Direct Agency Inc. and Meloche Monnex Insurance and Financial Services Inc. in the province of Quebec, and by TD Insurance Direct Agency Inc. in the rest of Canada.

Eligibility

For the purposes of this "Offer" only, an "Eligible TD Customer" includes a natural person who:
has a TD personal deposit account;
has a TD Mortgage, a TD Home Equity FlexLine, or a TD personal loan or line of credit, secured or unsecured;
has a TD personal credit card or other personal credit card issued by TD;
has a TD personal investment product or account;
has a TD automobile financing product; or
has life insurance or accident and sickness insurance policy underwritten by TD Life Insurance Company.


This Offer is for
A) Eligible TD Customers who are new TD Insurance customers and who purchase a new home or condominium policy effective on or after January 1, 2024;
B) Eligible TD Customers who are existing TD Insurance home or condominium insurance customers who purchase a new home or condominium policy effective on or after January 1, 2024; and
C) Eligible TD Customers who are existing TD Insurance home or condominium insurance customers with a home or condominium policy effective before January 1, 2024.

Both new and existing TD Insurance tenant insurance customers are excluded from this Offer.

Application

(A) New TD Insurance Home or Condominium Insurance Customers Who Purchase a New Home or Condominium Policy Effective On or After January 1, 2024:
Eligible TD Customers who have a TD Mortgage or a TD Home Equity FlexLine will receive a 5% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.
All other Eligible TD Customers will receive a 5% discount applicable to the premium for their annual home or condominium insurance policy's first term. At the first annual renewal, the value of the discount will decrease to 3% and shall remain as such for all subsequent annual renewals, for as long as the home or condominium policy remains in effect.
(B) Existing TD Insurance Home or Condominium Insurance Customers Who Purchase a New Home or Condominium Policy Effective On or After January 1, 2024
Eligible TD Customers who have a TD Mortgage or a TD Home Equity FlexLine will receive a 5% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.
All other Eligible TD Customers will receive a 5% discount applicable to the premium for their annual home or condominium insurance policy's first term. At the first annual renewal, the value of the discount will decrease to 3% and shall remain as such for all subsequent annual renewals, for as long as the home or condominium policy remains in effect.
(C) Existing TD Insurance Home or Condominium Insurance Customers With a Home Or Condominium Policy Effective Before January 1, 2024

Eligible TD Customers who have a TD Mortgage or a TD Home Equity FlexLine will receive a 5% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.
All other Eligible TD Customers will receive a 3% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.
Insurance policies for vacant buildings, vacant condominiums and mobile homes are not eligible for this Offer.
The discount is applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape.
Offer may be changed, withdrawn or extended at any time, without notice.

⁷ For TD Mortgage Protection, TD Line of Credit Protection, TD Loan Protection and TD Business Credit Protection, accidental dismemberment coverage is provided by TD Life Insurance Company (“TD Life”). All other coverages are provided by The Canada Life Assurance Company (“Canada Life”). TD Life is the authorized administrator for this insurance. For more details on insurer and/or administrator, as well as all benefits and restrictions, please refer to the respective Certificate of Insurance or Product Summary, Fact Sheet, and Certificate of Insurance (Quebec only).

TD Credit Card Payment Protection Plan is underwritten by American Bankers Insurance Company of Florida (ABIC) and American Bankers Life Assurance Company of Florida (ABLAC) under Group Policy Numbers 0220PPP and 0220PPPL. The Group Master Policies are issued by the insurers to The Toronto-Dominion Bank. ABIC and ABLAC, their subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc. Eligibility requirements, limitations, and exclusions apply and vary by benefit. For complete terms of coverage, please refer to the Certificate of Insurance.

⁸ Top-up or extension coverage is provided by the TD Insurance Single-Trip Medical Plan and/or TD Insurance Trip Cancellation & Interruption Plan.

Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6