Term Life Insurance is low cost insurance that guarantees a death benefit for a limited time or period, for instance, up to age 85. It is guaranteed renewable at various intervals such as every 10 or 20 years, without proof of insurability at renewals and is guaranteed convertible to Permanent or Universal Life in many cases prior to age 70 of the Life Insured(s).

Whole Life (or Permanent Life) is intended to guarantee a death benefit for as long as the Life Insured lives. It provides a savings component that is accessible to the insured through a Policy Loan or the cancellation of the Policy. With the plan design, it is possible to pay all premiums due in 20 years with a death benefit guaranteed for life and guaranteed cash values to borrow on. Whole Life Insurance Policies requires little ongoing management once in force.

Universal Life guarantees a death benefit and makes it possible to tax shelter deposits and investment gains from a managed choice of investment funds that meet your investment profile. The regular review and management of your investments within your Universal Life is highly recommended. Ideal Insurance Product for Canadian Residents that seek a death benefit guarantee and cannot make more allowable contributions to their RRSP, Spousal RRSP.

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