Whole Life Insurance
Things you need to know
Counterbalance life’s myriad unknowns with Whole Life Insurance. Guaranteed premiums and insurance amounts remain in effect for your entire life and cash value grows over time.
If you have maximized your registered and non-registered savings options, are looking to further diversify your portfolio and are considering life insurance as a tax-advantage asset, Whole Life Insurance might be for you.
Insurance that delivers performance and flexibility to maximize wealth
Definition
- Whole Life insurance is designed to offer attractive guaranteed cash, without compromising on long-term death benefit growth.
- With Whole Life, you can take comfort in seeing guaranteed growth of your policy’s cash value and remain confident your insurance plan delivers long-term protection, all with potential tax-saving advantages.
Policy Dividends
Estate and Tax Planning
Accumulate wealth and defer taxes.
Pass funds to the next generation.
Complement your retirement income.
Permanent coverage with a saving portion to help fund retirement.
Built-in disability benefit — allows clients to withdraw their cash value without triggering a policy disposition.
Premium offset — use paid-up and deposit option cash value to pay for premiums.
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You will not be turned down for coverage regardless of health condition. It is a simple, permanent insurance solution designed to meet the insurance needs of the most challenging applications.
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It provides the coverage you want, whether you have very serious medical conditions or are in good health.
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The coverage amount will never decrease over the life of the policy.
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Premiums are guaranteed not to change over the life of the policy.
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Policies accumulate guaranteed cash value beginning in the policy’s fifth year. You can use the cash value to pay premiums as long as cash values are sufficient. If the policy is cancelled, any remaining cash value will be paid to the policy owner.
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*NOTE: Dividends are not guaranteed
Life Insurance
Travel Insurance
Critical Illness
Group Employee Benefits