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Permanent Life Insurance
Coverage all your life… and even after
Taking out life insurance can raise a lot of questions. How much does it cost, how much coverage do you need, should you consider add-ons? Our advisors1 can help with that.
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With consistent premiums and a set inheritance amount for your loved ones, permanent life insurance helps you plan for the future.
Why take out permanent life insurance?
When you’re in it for the long haul
Once you have life insurance, you stay insured for life. It doesn't matter how old you are or if your health changes.
To fit your reality and your budget, some of our products are payable for a specific number of years or can be paid throughout your life.
In some cases, you may be able to surrender all or part of your policy to provide a cash flow, for example, as additional retirement income.
Your premiums won’t change over the years, no readjustments. You can plan your budget knowing what to expect.
A snapshot of what their life insurance might look like
Mary, retiree
Mary2, a 60-year-old retiree living in Ontario, is thinking about her and her family’s future. She wants to cover her funeral expenses to make sure her loved ones aren’t left with a hefty bill.
Monthly premium
$68.12
Coverage amount
$25,000
A snapshot of what their life insurance might look like
Ryan, father of two children
At the time of his3 death, the second residence he owns as a Quebec resident will be deemed to be sold and will generate a taxable capital gain. With his life insurance, he ensures that his children will have the cash available to pay the taxes at that time.
Monthly premium
$91.67
Coverage amount
$50,000
A snapshot of what their life insurance might look like
Liz and Dave, parents of two children
This British Columbia couple4 in their thirties wants to leave a tax-free inheritance to their children. If needed, Liz and Dave also have the possibility to redeem all or some of the cash value, which could come in handy if life throws them a curve.
Monthly premium
$58.92
Coverage amount
$100,000
Additional coverage options and insurance solutions
Permanent life insurance… with backup
Loan Insurance
Insurance Solutions
All the advantages of term life insurance brought together, plus additional benefits that major lending institutions can't match.
Children’s Insurance
Insurance Solutions
All the coverage you need to take care of your children without worrying about money in the event of an accidental fracture, critical illness or death.
Rent Insurance
Insurance Solutions
An insurance solution that provides financial support to help you cover your rent in several situations, such as a disability, job loss or death.
Support Payment Insurance
Insurance Solutions
Continue to provide for your family in a number of situations. This solution is designed to ensure support payments are maintained in the event of death, disability or job loss.
Disability Income Benefit
Additional Coverage Option
If a disability prevents you from working, you receive a pension that allows you to meet your financial obligations.
Children's Life Insurance
Additional Coverage Option
This life insurance covers all children of the insured parent
Children's Critical Illness
Additional Coverage Option
Receive a tax-free amount if your child becomes ill, so you can stay at their side and focus on what matters.
Accidental Fracture
Additional Coverage Option
In the event an accidental fracture, receive a lump-sum payment to help cover unexpected expenses resulting from your injury.
Waiver of premiums in the event of disability or death
Additional Coverage Option
In the event of a disability or your death, we’ll cover your insurance premiums.
Accidental Death and Dismemberment Coverage
Additional Coverage Option
In the event of accidental death or dismemberment, a sum of money is paid to your beneficiaries.
Monthly income for your loved ones
Additional Coverage
This non-taxable monthly benefit at death guarantees a stable income for your beneficiaries.