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For those enrolled in coverage, welcome letters will be mailed to the enrollee's resident address with instructions to access policy information and download their Certificate of Insurance from the MyBenefits website .  For policy questions, please contact Allstate Customer Care at (800) 521-3535.  To access the MyBenefits website, go to


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Your Employee Advantages

Good news! CIBC is offers voluntary Long-Term Care + Whole Life Insurance program from Allstate insurance. Acceptance into the program is guaranteed for eligible newly employees during an approved enrollment period. All other eligible employee can apply for coverage with medical underwriting. Please review the information below.

Please note this benefit is not intended to replace your existing life insurance coverage or any existing LTC policies.  

2 for 1

One policy with two benefits. Whole life insurance protection for your family during your work years and long-term care protection if you happen to need care at any point. As long as coverage is active, a benefit will always pay.

Guarantee Issue

Newly eligible employees cannot be declined for coverage. Select up to $150,000 of life insurance with automatic acceptance (no health questions).  If the employee enrolls, eligible working spouses/partners may enroll with guaranteed acceptance.  Non-working spouses/partners may enroll with limited health questions.  Click here for detailed eligibility.

Lock in your Rates

Pricing is based on your age. The longer you wait to purchase coverage, the more expensive it will be. Also, the whole life insurance premiums are guaranteed NOT to increase. 

Life Insurance

Whole life insurance protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses. You can select up to $150,000 with GUARANTEED acceptance into the program. .

1 Policy with 2 Benefits

Long-Term Care (LTC)

If you become chronically ill, your policy will pay you 4% of your selected life insurance amount each month you receive Long Term Care. You will have access to 2x your life insurance amount to help pay for LTC services.

Example: $100,000 of life insurance would pay $4,000 per month in LTC benefits with a total LTC benefit of $200,000. 

The cost of Long-Term Care compared to your Assets & Expenses

Long-term care services can be expensive.  According to the US Department of Health and Human Services, the average cost of care can range from $48,048 - $100,380 depending on the type of care you are receiving and where you are receiving that care. Long-term care planning should be a included in any responsible personal financial plan.   

What are employee's top 4 sources of financial stress?

Financial stress is never a good thing, especially if you're thinking about retirement. If you are concerned about being able to afford healthcare costs in retirement or outliving your retirement savings you're not alone according to a recent MetLife study. The largest potential healthcare expense during retirement may be a long-term care event. The Allstate life insurance with LTC benefits program offers long-term care protection if you happen to need care at any point.

Americans realize the importance of LTC coverage

More than half of Americans say they need long-term care coverage yet only around 1/3 have coverage. As we age the likelihood of needing long-term care services increase. The most recent US Department of Health & Human Services data says around 70% of us will need care at some point. That's a big number! The good news is the Allstate program offers you both life insurance, to protect your family now, and long-term care coverage if you happen to need those services later on.  

Allstate Benefits


A+ (Superior) Rated Insurance Carrier

A.M. Best has affirmed the Financial Strength Rating of A+ (Superior).

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