About UV Insurance
UV Insurance (legal name L'Union-Vie, compagnie mutuelle d'assurance; French brand UV Assurance) is a mutual life insurance company founded in Drummondville, Quebec on December 29, 1889 as L'Union Saint-Joseph, renamed The Union Life Mutual Insurance Company in 1957 and rebranded UV Insurance in 2016. It offers individual life and critical illness insurance, group insurance, and investment/retirement products through independent advisors, with about 150,000 mutualists and $2.5 billion in assets.
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Access: Not sold directly to consumers — available through a financial broker or financial advisor only
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
How to join: Purchase a policy through an independent insurance advisor/broker representing UV Insurance.
Deposit protection: Assuris
protects policyholder benefits if a life insurer fails (e.g. deposit-type products up to $100,000 or 90%)
Current top rates
rates confirmed as of 2026-10-11| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.05% |
| 2-year GIC | 3.45% |
| 3-year GIC | 3.60% |
| 4-year GIC | 3.70% |
| 5-year GIC | 3.80% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
— not stated on siterates confirmed as of 2026-10-11GIA Guaranteed Interest Annuities are insurance contracts — protected by Assuris, the life-insurance guarantee fund, not by CDIC.
Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 yearGIA | Non-regRRSPRRIFTFSALIFLRIF | N | — | At maturity | $500 – $9,999$10k – $24,999$25k – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $999,999 | 2.60%2.70%2.80%2.85%2.95%3.00%3.05% |
| 2 yearsGIA | Non-regRRSPRRIFTFSALIFLRIF | N | — | At maturity | $500 – $9,999$10k – $24,999$25k – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $999,999 | 3.00%3.10%3.20%3.25%3.35%3.40%3.45% |
| 3 yearsGIA | Non-regRRSPRRIFTFSALIFLRIF | N | — | At maturity | $500 – $9,999$10k – $24,999$25k – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $999,999 | 3.15%3.25%3.35%3.40%3.50%3.55%3.60% |
| 4 yearsGIA | Non-regRRSPRRIFTFSALIFLRIF | N | — | At maturity | $500 – $9,999$10k – $24,999$25k – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $999,999 | 3.25%3.35%3.45%3.50%3.60%3.65%3.70% |
| 5 yearsGIA | Non-regRRSPRRIFTFSALIFLRIF | N | — | At maturity | $500 – $9,999$10k – $24,999$25k – $49,999$50k – $99,999$100k – $199,999$200k – $499,999$500k – $999,999 | 3.35%3.45%3.55%3.60%3.70%3.75%3.80% |
No rates match these filters.
Escalator GICs
rates confirmed as of 2026-10-11The rate rises each year of the term. Yield is the effective annual yield the institution prints.
| Product | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yr 6 | Yr 7 | Yr 8 | Yr 9 | Yr 10 | Yield |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 10-year escalators | |||||||||||
| 10-Year Step-Up Uniflex10 years · min $500kNon-reg | 3.05% | 3.45% | 3.70% | 3.90% | 4.10% | 4.25% | 4.40% | 4.65% | 4.90% | 5.15% | 4.16% |
| 10-Year Step-Up Uniflex10 years · min $200kNon-reg | 3.00% | 3.40% | 3.65% | 3.85% | 4.05% | 4.20% | 4.35% | 4.60% | 4.85% | 5.10% | 4.11% |
| 10-Year Step-Up Uniflex10 years · min $100kNon-reg | 2.95% | 3.35% | 3.60% | 3.80% | 4.00% | 4.15% | 4.30% | 4.55% | 4.80% | 5.05% | 4.06% |
| 10-Year Step-Up Uniflex10 years · min $50kNon-reg | 2.85% | 3.25% | 3.50% | 3.70% | 3.90% | 4.05% | 4.20% | 4.45% | 4.70% | 4.95% | 3.96% |
| 10-Year Step-Up Uniflex10 years · min $25kNon-reg | 2.80% | 3.20% | 3.45% | 3.65% | 3.85% | 4.00% | 4.15% | 4.40% | 4.65% | 4.90% | 3.91% |
| 10-Year Step-Up Uniflex10 years · min $10kNon-reg | 2.70% | 3.10% | 3.35% | 3.55% | 3.75% | 3.90% | 4.05% | 4.30% | 4.55% | 4.80% | 3.81% |
| 10-Year Step-Up Uniflex10 years · min $500Non-reg | 2.60% | 3.00% | 3.25% | 3.45% | 3.65% | 3.80% | 3.95% | 4.20% | 4.45% | 4.70% | 3.71% |
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