Life Insurance

Term

Term life insurance is designed to provide you with insurance protection for a set period of time at an affordable price.If you die within the time period, your beneficiaries will receive the amount specified in your policy, tax-free.

Depending on your age, health, the amount of insurance you need and your lifestyle, you could qualify for even lower rates. For instance, non-smokers pay less than smokers.

When choosing term insurance, it's important to select the term that will cover you through important life events. You can choose from a Term 10, Term 20 or Term 75 Plus insurance policy. With term life insurance, you're able to choose a benefit amount and a term that will best meet your needs.

Universal

Universal life insurance is the most flexible life insurance available today. You can customize your plan when you buy it, or easily make changes later on. And universal life offers you the opportunity for tax-advantaged investing. This gives you the chance to increase your wealth by investing money within your policy.

You obtain affordable permanent life-insurance protection combined with an attractive tax-sheltered savings account. You have the opportunity to make partial withdrawals to carry out your favourite projects.

When you choose a universal life insurance plan, we will help you design an investment portfolio that suits your unique risk tolerance. You can choose to invest in interest-bearing accounts, which guarantee a fixed rate of return. Or you can choose accounts that fluctuate with market performance.

Our customizable insurance protection evolves with your family's changing lifestyle, from buying your first home to planning your retirement. And, similar to an RRSP, you can maximize your tax-sheltered savings because all interest earned in your investment accounts is tax-sheltered.

Permanent Life Insurance

Permanent life insurance is designed to provide insurance protection for your entire lifetime. Many people appreciate this kind of security, knowing that when they die, their beneficiaries may receive the full amount of their insurance, tax-free. With permanent life insurance, your premiums never change.

This type of insurance is perfectly suited to the needs of people who are seeking financial stability and security for their loved ones in the event of a premature death.

Depending on the plan you buy, whole life insurance spreads the cost of insurance either over the lifetime of the policy or over a limited period of time.