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Permanent Life Insurance - Universal Life


A flexible premium policy that combines protection against premature death with a type of savings vehicle, known as a cash value account, that typically earns a money market rate of interest.


Who Should Consider Universal Life Insurance?
  • Individuals or families seeking financial security and wishing to accumulate additional funds (to carry out retirement plans, for example)

  • Young dual-income professional couples that can pay the insurance premium more quickly

  • Persons with a higher-than-average income who are looking for a tax-sheltered savings vehicle other than a registered retirement savings plan (RRSP)

  • Business people, to finance a shareholders' agreement or insure a key employee

Features and Advantages
  • You obtain affordable permanent life-insurance protection combined with an attractive tax-sheltered savings account

  • You can choose and modify the amount of insurance, the cost options, the payment frequency, and the premium amount in accordance with your needs

  • You can diversify your savings through our range of investment options

  • You can enjoy an advantageous premium reduction on the basis of the general state of your health and your lifestyle

  • You have the opportunity to make partial withdrawals to carry out your favourite projects

  • You can obtain a premium holiday if you are temporarily unable to make your usual payments

  • You personalize your contract when it is issued and at any other time through a wide choice of riders and additional benefits

  • You enjoy guaranteed quick-payment options for periods of 10, 15 or 20 years, including guaranteed cash surrender values

  • You may insure up to nine persons under the same contract


Some Useful Resources:


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