Life Insurance

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Life Insurance

Life Insurance

Life insurance is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person.

Term Life Insurance

Term life insurance is simple to buy and easy to afford. Rates are guaranteed not to increase for the length of your term, regardless of changes to your age or health, making it the ideal way for young families to get the financial security they need.

Benefits of Term Life Insurance

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Choose any term from 10 and 40 years. If you pass away within this time period3, your beneficiaries receive your policy benefit tax-free


Premiums and coverage are guaranteed for your entire term. Plus, you can renew your policy at the end of your term.


Premiums are typically lower than for other types of life insurance, making term life insurance a good option if you have a growing family.


Convert your policy into permanent or universal life insurance until you are age 65, without health questions or a medical exam.

Universal Life Insurance

Universal life insurance combines lifetime insurance coverage with the long-term growth potential of tax-advantaged investing.

Benefits of Universal Life Insurance

A flexible solution that offers the security of lifetime coverage and tax-effective investing to help you protect your assets and your loved ones for the long-term.

Lifetime Coverage

With universal life insurance, you have permanent coverage for life—your coverage does not end after a certain period.

Tax-Advantaged Investing

A portion of your premium purchases your insurance, while the rest earns interest that is not taxable while it remains in your policy.

Access to Funds

Throughout your lifetime, you can access the funds in your policy to supplement your income in retirement or during a time of illness.

Estate Planning

The unique features of universal life insurance make it an ideal way to protect your assets and pass them on to your beneficiaries.

Whole Life Insurance

Participating whole life insurance is a type of permanent whole life insurance coverage that can be eligible to receive dividends. The amount of coverage you choose and your premiums are guaranteed for life. You can use the dividends to buy more coverage, reduce your annual premium cost or earn interest inside the plan.


  • Earn an annual dividend to grow your insurance coverage and cash value beyond guarantees
  • Choose how long you pay your premium and, how frequently
  • Access your policy’s cash value at any time or, if you become disabled.
  • Make additional payments into your policy to increase your protection, whenever you choose!
  • Reach your long-term financial goals and benefit from tax-advantaged options
  • Build collateral for a loan, enhance your estate planning, and compliment a retirement plan

What is whole life insurance?

Life insurance is an important part of every financial plan. One of the options you may consider is whole life insurance. This product offers financial protection to your loved ones and at the same time, helps you build wealth you can access when you need it.

How it works?

Whole life is a permanent type of life insurance. That means coverage is in place for life. As long as your premiums are paid, your beneficiary will receive the benefit amount upon your death. Policy premiums for whole life are also guaranteed for life, meaning they stay the same throughout the time the policy is in place. Keep in mind that the younger you are when you purchase an insurance policy, the more affordable it will be.

Protecting your family

During your working years, the death benefit can protect your family by replacing your income. After you retire, that same benefit allows you to leave a tax-free inheritance for your loved ones or your favourite charity, pay for your children’s education, or even pay future premiums on your policy. It can also be used to help cover funeral expenses and taxes.

You can also buy whole life insurance for your child or grandchild when they are young.

  • It protects their insurability no matter what happens with their health or career choices in the future;
  • The rates are much lower and your child or grandchild can have permanent insurance coverage for life paid off in just 20 years; and
  • The cash value can be a valuable asset they can use to pay for their future education costs.

Cash values

Whole life insurance also provides a way to save for the future. The premiums you pay are invested. The income it earns creates a cash value for the policy, which you can access in the future. It can be used in many ways such as to supplement your retirement income or help pay expenses.