Life insurance provides the ability to protect loved one’s well-being in the event of death. Life insurance provides a tax-free benefit to the beneficiaries of your choosing which they can use to:

• Pay-off debt
• Maintain their lifestyle
• Fund a child’s post-secondary education
• Pay for funeral arrangements

Life insurance is also widely used to solve estate or business succession planning issues.

Product Features and Benefits

Features	Benefits
Variety of coverage options available to meet your needs: Term Whole Life Universal Life	Additional riders can be added to enhance your coverage: Accidental Death & Dismemberment Total Disability Guaranteed Insurability
Pay a single premium for life or elect a suitable term to your preference	Can be used as collateral for a loan
Term durations can be 5, 10, 15 or 20 years or the option of having a limited pay period such as to age 65	Variety of investment options in order to build cash value
Guaranteed renewal rates regardless of health condition	Can provide ability for tax deferred investment growth –advantageous investing if you’re maximizing your RRSP
Convert from term to permanent insurance without providing new medical evidence	Provides flexibility if your situation or needs change
Upfront underwriting so you know your beneficiaries are protected	Peace of mind