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Life Insurance

Term insurance

Flexible, temporary, protection with options for your future

What is term life insurance?

Term life insurance provides temporary protection for temporary needs. It also has some flexibility, so you can adjust your insurance, as your needs change.

It provides several guarantees

You can choose between:

  • Term life insurance - provides coverage for one person
  • Joint term life insurance - one policy that covers 2 people who share a joint risk (e.g. a mortgage)

Who is it for?

We find that term life insurance is a popular choice for:

  • Individuals focused on affordability and flexibility
  • Small business owners facing debts or significant start-up costs
  • Business owners with complex needs like key person protection or buy/sell agreements
  • People with mortgages or other temporary debt


Permanent Insurance

Lifetime insurance protection - guaranteed!

Permanent life insurance is an excellent choice if you want lifelong coverage and equity in the form of a cash value over time.

Key advantages of permanent insurance over term insurance

  • Permanent insurance costs are usually guaranteed when you first purchase the policy.
  • Some permanent insurance plans allow you to pay for a limited number of years, then never again. Imagine …you could buy insurance when you're 40, finish paying the premiums when you're 50, and be fully covered for the rest of your life. In contrast, term insurance is virtually always “pay as you go” and you'll be paying premiums while you have the coverage.
  • Permanent life insurance premiums can be guaranteed level for life (they don't increase as you age, even if your health changes), or they can vary depending on the permanent insurance plan you choose.

 There are two types of permanent life insurance

Permanent Life Insurance plans

Permanent life insurance can be less expensive than participating life insurance. It provides a fixed amount of life insurance coverage, and the costs for your coverage remain the same every year.

Participating Life Insurance

With participating life insurance, your policy may be credited with policyholder dividends. You can use these dividends in a number of ways. You can use them to buy additional coverage, receive a cash payment, reduce your annual premium or you can leave them on deposit to earn interest. The choice is yours.