Life insurance

Versatile Term^TM

• Choice of 10, 15, 20, 25, or 30-year renewable plan.
• Affordable premiums guaranteed for the life of the policy. Our term products’ premiums increase annually after renewal, so premium increases are much smaller than similar traditional products.
• Option to convert to Infinity Term®, Whole Life Ascend™, Whole Life Protector™ or Universal Life (all permanent life insurance policies) before the policy anniversary closest to your client’s 70th birthday, and without the need for a medical assessment.
• Versatile Term 10 can be exchanged for a Versatile Term 20, 25 or 30, without medical evidence, within the first 5 years.

Infinity Term®

• Level guaranteed premiums that are fully paid up at age 110.
• A full set of riders and benefits to customize any plan.
• Choose to pay premiums for life (Life-Pay) or within a 20 year period (20-Pay).
• Coverage that starts at $25,000, available to anyone up to 80 years of age for Life-Pay, or to age 70 for 20-Pay.
• Coverage for your client’s child’s entire life, with Infinity Term - Head Start.

Whole Life Protector^TM

Whole Life is for clients who want lifetime coverage, with built-in savings, the comfort of guaranteed premiums, and the ability to earn dividends.

• Whole Life Protector^TM can help cover all permanent insurance needs, including funeral costs, estate-settlement costs, and more.
• Guaranteed cash values starting in year 6.
• Cost-effective premiums.
• Cash value built over the life of the policy, which clients can borrow against at favourable interest rates.
• Policy dividends allow clients to share profits based on par account performance.
• Tax-advantaged growth.
• Coverage for your client’s child’s entire life with Whole Life Protector -- Head Start.

Whole Life Ascend^TM

Whole Life is for clients who want lifetime coverage, with built-in savings, the comfort of guaranteed premiums, and the ability to earn dividends.

• Whole Life Ascend^TM is ideal for estate-planning needs as well as the accumulation of wealth with the cash surrender value.
• Guaranteed cash values starting in year 1.
• An Enhanced Insurance Dividend Option that increases the initial death benefit with no additional premium.
• An Additional Deposit Option, which allows clients to contribute additional premium to increase the death benefit and to grow the value of the estate.
• Coverage for your client’s child’s entire life with Whole Life Ascend -- Head Start.

Universal Life

• Maximum flexibility with additional ways to manage a financial portfolio, now and in retirement.
• Coverage that adapts as a client’s life changes.
• Savings growth in tax-advantaged* accounts.
• Multiple investment accounts, all tailored to your client’s risk profile.
• Access to cash accrued within the policy.
• Coverage for your client’s child’s entire life with Universal Life -- Head Start.

* Tax regulations can change at any time.

Critical Assist®

• Critical Assist® provides clients and their families with a tax-free* lump-sum payout if they’re diagnosed with one of 25 covered illnesses, or one of four Early Assist conditions.
• Payouts range from $25,000 to $2,000,000, depending on level of coverage
• Early Assist conditions are eligible for a partial payment of 10% of the policy face amount, up to a maximum of $50,000
• Choose from a variety of term lengths: CA10; CA25; CA75; or CA20-Pay.
• Coverage for your client’s child with Critical Assist - Head Start.
• Clients can access Teladoc Medical Experts, a global network of over 50,000 medical specialists who can offer a second opinion on their diagnoses, and additional support and resources for their condition.

* Tax rules and regulations may change at any time.