Universal Life Insurance

Universal permanent life insurance combines protection and savings. Key feature is its flexibility – the policyholder can vary the amount, frequency, timing and duration of premium payments. The cash value of the policy grows on a tax deferred basis and the death benefit is tax-free. Investment options typically include segregated fund, daily interest accounts, term deposits, and index-linked funds.


Life Insurance

Protects the financial security of your loved ones, by giving them a tax-free payment upon your death.

Term Life Insurance

Term Life Insurance provides coverage to meet a temporary need. Provides a level amount of insurance with a premium that increases at various time periods (e.g. 10 years).

Permanent Life Insurance

Permanent Life Insurance provides coverage for your entire life. It provides a tax-free payment to a named beneficiary.

Participating Life Insurance

This policy shares in some of the gains and losses of the insurer (e.g. interest earnings, operating expenses and mortality experience).

Universal Life Insurance

A type of permanent life insurance that combines protection and savings. Key feature is its flexibility


Designed to replace a portion of your income if you become disabled and are unable to earn an income.

Critical Illness

Pays out a lump sum tax free payment upon diagnosis of a critical illness – such as cancer, stroke or heart attack.

Health Insurance

Personal health insurance provides coverage for health-related expenses not covered by your provincial plan.


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