With our universal life insurance products, you can insure the financial security of you and your loved ones through one and the same contract and at the same time accumulate additional tax-sheltered amounts. Universal Life provides you with a flexible financial program that you can adapt to your changing needs.

Who should consider using Universal Life?

Individuals or families seeking financial security and wishing to accumulate additional funds (to carry out retirement plans, for example). 

Young dual-income professional couples that can pay the insurance premium more quickly.

Persons with a higher-than-average income who are looking for a tax-sheltered savings vehicle other than an RRSP

Business people, to finance a shareholders' agreement or insure a key employee.

Features and Advantages of Universal Life

You obtain affordable permanent life-insurance protection combined with an attractive tax-sheltered savings account.

You can choose and modify the amount of insurance, the cost options, the payment frequency, and the premium amount in accordance with your needs.

You can diversify your savings through a range of investment options

You have the opportunity to make partial withdrawals to carry out your favourite projects.

You can enjoy an advantageous premium reduction on the basis of the general state of your health and your lifestyle

You can enjoy from a variety of guaranteed quick-payment options

Want to learn more?  Give us a call at (416) 759-5453 or email us and one of our experienced professionals will be glad to help you.