Life Insurance

Since your greatest economic asset is likely your potential lifetime earnings, life insurance can give your family financial security by protecting your earnings if you die prematurely or become critically ill.

We have a range of flexible insurance product solutions with protection tailored to the needs of your family or business. Some solutions also offer tax-deferred savings.

slideShow8All the flexibility you need

Universal life insurance coverage is exceptionally flexible. You can choose the amount of life insurance you need now and change it later as your needs change. You can select a joint policy covering two people that pays out after both people have passed away – or you can choose a joint policy covering up to five people that pays out when the first person passes away.

If you like, you can include several optional types of coverage tailored to your specific needs. Plus, your premiums can also be structured to suit your budget and future plans.

Universal life insurance also gives you access to cash. When your investment plan has accumulated sufficient cash value, you can withdraw cash from it, or borrow money using the policy as collateral.

Protecting Your Family, Investing for Your Future

You need insurance – and you want long-term investment growth.

Our universal life insurance plan combines permanent life insurance protection with a flexible portfolio of investment options, customized to your financial needs and aligned with your risk tolerance. Contact us and we can help you select the coverage and investments that are right for you.


Help with a complex subject

In today’s world of complex tax laws, you want maximum protection for your estate – and our universal life insurance plan can provide it. However, universal life insurance offers many options, so contact us today and talk to one of our professional Insurance Representatives for help in selecting the coverage and investments that are right for you.

How it works

Each payment you make is divided into an insurance premium, a small administration charge, and a deposit into the investment accounts of your choice, where your money grows tax-deferred.

When you choose a universal life insurance plan, we will help you design an investment portfolio that suits your unique risk tolerance. You can choose to invest in interest-bearing accounts, which guarantee a fixed rate of return. Or you can choose accounts that fluctuate with market performance.

How universal life insurance works

You make a contribution

  • Part of your contribution pays the cost of insurance and a small administrative charge *
  • The rest goes to an investment of your choice

You can make withdrawals from your investment accounts **.

You can arrange for a bank loan or policy loan ***, based on the cash surrender value of your policy.

Your named beneficiary receives a tax-free benefit that includes the face amount of your policy, and the value of your investments

* Provincial premium tax charge included
** May be subject to surrender charges and taxes
*** If the policy loan amount exceeds the adjusted cost base of the policy, the excess amount is taxable.
† For policies with Level Death Benefit, the face amount only is paid


Life Insurance for Your Entire Life
Permanent life insurance is designed to provide insurance protection for your entire lifetime. Many people appreciate this kind of security, knowing that when they die, their beneficiaries may receive the full amount of their insurance, tax-free.

With permanent life insurance, your premiums never change. Talk to one of our Insurance Representatives about structuring the right permanent insurance for you.

If you already have a term life policy with us, you may be able to convert your term plan to one of these permanent plans. Check your policy for details or contact us.

We offer a range of permanent life insurance choices


Protection for the Term You Select
Term life insurance is designed to provide you with insurance protection for a set period of time, at an affordable price. If you die within the time period, your beneficiaries can receive the amount specified in your policy, tax-free.

Term life insurance is easy to purchase. Simply contact us to speak or arrange a face-to-face meeting, with one of our Insurance Representatives.

Your health and lifestyle can save you money
Depending on your age, health, the amount of insurance you need and your lifestyle, you could qualify for even lower rates. For instance, non-smokers pay less than smokers.

Choose the term that suits you
When choosing term insurance, it’s important to select the term that will cover you through important life events. With term life insurance, you’re able to choose a benefit amount and a term that will best meet your needs.

Remember too that with our term insurance policies, you have the option of converting to a permanent plan offered for conversion. up to the age specified in the policy.

For help in selecting the term insurance that best suits your needs, contact us or:

Compare life insurance solutions

Our coverage comparison tool makes it easy to see exactly what coverage each term policy provides.

We offer a range of term insurance choices.

  • Term 10 life insurance
  • Term 20 life insurance
  • Term 70 life insurance
  • Term 100 life insurance
  • Pick a Term (10 – 30 years)

With over 125 years of combined experience

We can leverage our strengths and offer you the most competitive products available in the market today. We do not work for an insurance company; we work for you. We work on your side when you have a specific need, we follow through to make sure you get top quality professional service.