Life Insurance

Enables you to protect the financial security of the people who matter most, should you pass away.
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What is life insurance?

A life insurance policy provides a one-time, tax-free, cash benefit to your chosen beneficiaries when you die.

The appropriate type and amount of life insurance for you will depend on your unique needs and circumstances.

Choosing an appropriate life insurance policy can mean the difference between leaving your loved ones well-positioned financially and leaving them to cope with debts and an inadequate income.

Life insurance products can also be part of your financial plan, and may be an option for providing access to cash within your policy while you are alive.

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Starting a family?

Ensure the people you love are financially protected.

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Buying a home?

Life insurance can cover debts like a mortgages or loans.

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Getting married?

Protect your spouse and the plans you’ve made for the future.

What kind of life insurance are available?

There are 2 basic types of life insurance coverage: term and permanent. Each has unique features designed to meet different needs.

Permanent Insurance

  • Lifetime coverage
  • Higher cost
  • Flexible payments
  • Opportunity to build cash value
Learn more about Permanent Life

Term Insurance

  • Temporary coverage
  • Lower cost
  • Fixed payments
  • Option to convert to permanent
Learn more about Term Life
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How much does life insurance cost?

Cost will depend on the type of coverage you choose. Generally, term insurance is more affordable than permanent insurance. But there are many factors that determine the cost of your policy, including:

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Generally, insurance cost less for younger age groups, and more for older age groups.

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Women live longer than men on average, so insurance may cost less than for males.

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Your unique health history, family history, chronic diseases and lifestyle can impact costs.

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High-risk occupations can increase cost. Conversely, low-risk occupations can reduce cost.

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How much insurance coverage do you need?

This will depend on your unique personal circumstances. Best practices are to ensure your debts are covered, as well as the financial security of your dependents.

Here are a few things to consider:

  • Your income
  • Your assets & net worth
  • Your expenses and family needs
  • Your debt
  • Other insurance you may have

A professional advisor can assist you with calculating your insurance needs.

How do the types of life insurance compare?

An advisor can assist you in determining which is the most appropriate tool given your unique personal circumstances.

Term life insurance
Permanent life insurance
What does it provide?
Temporary protection
Lifetime protection
How can it help?
  • Safeguard family's quality of life
  • Cover debts and funeral expenses
  • Safeguard family's quality of life
  • Cover debt and funeral expenses
  • Build wealth
  • Estate planning
What's the cost?
Usually the most affordable type of life insurance
Usually more expensive than term life insurance
Investment options?
  • You choose who receives a tax-free one-time payment when you die
  • You choose who receives a tax-free one-time payment when you die
  • Build wealth inside your policy, tax-deferred, within limits, that you can access during your lifetime

Types of life insurance

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