It’s income protection and risk management tool that provides the people or charities you name as beneficiary with a tax-free payout if you die within the term you choose. 

• Mortgage protection

• Ideal risk management strategy for debt.

• Tax planning for Estate.

• Relatively less expensive than other insurances.

• Simple to understand.

The Final Expense Plan is a life insurance policy that provides coverage for Canadian residents between the ages of 18 -74. This plan pays your beneficiary a set benefit amount should you die for any reason. There is no medical exam or health questions required to qualify and the policy is in force until the age of 100. Under this plan: your acceptance is guaranteed. The Final Expense plan includes both a Basic Life Benefit and a complementary Accidental Death Benefit, which is equal to 4 times the face amount of the Basic Benefit.

• Acceptance is guaranteed.

• Coverage to Age 100.

• Instant Issue.

• Additional Protection.

• Tax-Free Benefits

UL policies combine permanent insurance with tax advantaged investing within limits. It is considered the most flexible of life insurance because policyholder can modify the policy in various ways in the future.

• Insurance with Range of Investments.

• Lifetime Coverage.

• Access to Your Money.

• Premiums are guaranteed for life.

• Ideal for wealth transfer

The Critical Illness Plan is a living benefit insurance that provides coverage for Canadian residents between the ages of 18 to 69. This plan pays a lump sum if you are diagnosed with any of the serious conditions payable under the policy.
Full Coverage for 24 critical conditions.
No Medical Exam.

• Policies are Issued Even with Pre-existing conditions.

• Instant Issue.

• Coverage lasts up to the age of 75

Permanent life insurance provides coverage over the entire lifetime of the life insured. It does not expire (as long as the required premiums are paid), and it does not need to be renewed.

• Permanent life Protection

• Cash Surrender Value (CSV)

• Limited Payments

• Premiums are guaranteed for life.

• Ideal for wealth transfer

If you’re a working Canadian, disability insurance may be the most important coverage you can have. Check to see if you have sufficient (or any) disability insurance through your employer, and speak with your advisor to make sure you’re ready if something serious happens and you can’t work.

• Income Protection

• Long Term Care Conversion Option.

• Physical Recovery Through Rehabilitation.

• Return to work assistance.

• Coverage lasts up to the age of 65 to 75, as long as premiums are paid.