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Life Insurance

Term Life

Insurance-Term Life

Insurance is an important investment.It should be there when you need it.

Term Life insurance will provide individuals with affordable and flexible protection that can easily be customized to fit client needs. Term options include: T10, T20, T-30, T35, T40, T65 and T75. Renewal rates are contractually guaranteed; Conversion to permanent coverage without additional underwriting is also possible. Ideal for individuals and families looking for:
• Mortgage and debt protection.
• Income replacement.
• Coverage for final expenses.

Ideal for business owners looking for:
• Funding of Buy-Sell agreements.
• Key person insurance.
• Collateral insurance.

Joint first to die, joint last to die and multi life policies are also available.

Life Insurance - Permanent Life Insurance

 Insurance-Permanent Life Insurance

Insurance is an important investment.It should be there when you need it.

Permanent Insurance offers a stable lifelong solution to individuals who have long term insurance and financial needs. Most often used for personal or corporate estate planning. A variety of products are available. Ideal for individuals or business owners who want:
• Guaranteed premiums for life
• Pre-paid options including but not limited to 10,15 or 20 pay products
Guaranteed cash values
Guaranteed reduced paid-up options. Joint first to die, joint last to die and multi life policies are also available.

Participating Whole Life

Insurance – Participating Whole Life

Insurance is an important investment.It should be there when you need it.

Participating Whole Life offers lifelong coverage that is designed to help clients increase their cash values over time and maximize their wealth on a tax-deferred basis. This type of product is designed with guaranteed features such as:
• Guaranteed cost of insurance.
• Guaranteed cash value and paid-up insurance.
• Guaranteed quick limited pay option of 10, 15 or 20 years.

In addition, the policy will be credited with dividends giving policyholders the ability to participate in the insurance company profits. Those dividends could be used in number of ways:
• Buy additional coverage.
• Receive a cash payment.
• Reduce your annual payment.
• Leave them on deposit to earn interest.

Designed for individuals, families and business owners looking for:
• Retirement and estate planning.
• Wealth accumulation/tax deferrals.
• Wealth transfer and gifting to the next generation.
• Education Funding.
• Future guaranteed insurability for children.

Universal Life

Insurance – Universal Life

Insurance is an important investment.It should be there when you need it.

This product combines permanent life insurance and tax-advantage investment opportunities to provide clients with custom-designed solutions that are ideal for tax and estate planning. Plan’s features:
1 – Different options of cost of insurance:
• Yearly Renewable Term.
• Level Cost of Insurance.
• Guaranteed 10, 15 and 20 years.
2 – Yearly Administration fees.
3 – Provincial Taxes on deposits.
4 – Minimum guaranteed rate of return on guaranteed deposits.
5 – Wide range of investment options.
6 – Optional Death Benefit:
• Level Death Benefit to lower the cost of insurance.
• Increasing Death Benefit for investments growth.

This plan is ideal for:
• Retirement and estate planning or education funding.
• Wealth creation.
• Income replacement.
• Key person insurance.
• Tax deferral and capital gains tax liability.
• Partner/shareholders buyouts.

Non-Medical (Simplified) Life Insurance

Insurance – Non-Medical (Simplified) Life Insurance

Insurance is an important investment.It should be there when you need it.

Non-medical insurance requires no medical examinations or special tests. This type of insurance is intended for individuals who are difficult to insure due to poor health or for life style issues. You may also qualify if you have been refused with another insurance company. Qualification is based on a few simple questions. Your premium will never increase and your coverage will never be decreased.