Life insurance: so that life goes on


Life insurance is a very attractive investment that offers:

  • Safer than a Guaranteed Investment Certificate
  • Guaranteed tax-sheltered investments
  • A low-risk estate planning vehicle

Cash value

Considered as part of your savings, the policy’s cash value offers you:

  • A good return on your investment
  • Guaranteed value that accrues over time
  • A financially advantageous solution within your permanent life insurance policy

Tax-sheltered investments

Permanent life insurance provides many tax-sheltered investment options. You’ll benefit from:

  • Attractive interest rates
  • A wide range of investment options
  • Tax-sheltered growth

Tailor your payments to your finances

Just what you need to maximize your freedom! Following some careful examination, you can set your payments and decide if you’re able to contribute more and grow your money faster. Need even more flexible payments? Because you’ll have planned out the payments on your predetermined contract, budgeting becomes much easier.

Types of permanent insurance

Universal life

  • Comprised of a life insurance portion and an investment savings portion
  • A wide variety of investment options, at all risk levels
  • Flexible premiums

Whole life

  • Guaranteed cash value that accumulates with additional deposits
  • Permanent coverage to grow your estate, guaranteed
  • A wide range of payment terms

100-year temporary

  • No cash value
  • Coverage for life
  • Premiums payable throughout your entire life

Third party life insurance: partners for the future

This financial solution is designed to:

  • Increase the person’s insurability
  • Foster financial responsibility
  • Give a gift for the future

This solution has a variety of advantages you may not have considered. You can avoid struggling with funeral expenses if anything happens to your:

  • Spouse
  • Child
  • Grandchild
  • Parent

If you take out this type of insurance on a self-employed worker, you also avoid having to pay off their debts or make a steep tax payment in the event of their death.

Thinking about insuring your child?
It’s worth noting that the policy can be transferred to your child once they’re financially independent and can start paying for it. This approach also lets you benefit from keeping the same premium from 15 or 20 years ago, for example. Contact me now to find out how this solution can work for you.