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LIFE INSURANCE

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LIFE INSURANCE

 

Life presents us with several situations or events that are unpredictable. Life Insurance is a safety cushion for the family and more specifically for your beneficiaries indicated in the contract. It is a financial protection that will help your loved ones to find a peaceful future. There are several types

LIFE INSURANCE:

 
 

TERM LIFE INSURANCE

PERMANENT LIFE INSURANCE

Term life insurance offers a protection that is both limited in time and a budget sensitive approach, in the event of a premature death. It is wise to harmonize this kind of protection with your financial vulnerabilities and responsibilities that will disappear or lower during the passage of time, like a mortgage, debts, your standard of living with the children, scholarship or tuition fees, etc.).

You can purchase term life insurance for a fixed period of 10, 15, 20, 25 or 30 years that will protect you and your loved ones up until you reach the age of 80. When your insurance terminates at the chosen term, you will be able to renew the contract without medical examinations or convert it in part or entirely into a permanent insurance.

 

Consider that depending on your age and your health, the cost of insurance can increase, so it is always better to take an insurance contract in the present moment or as young as possible.
Term insurance can cover your loved ones against several important elements related to your finances and according to your priorities, such as:

  • a mortgage loan / credit card debt / personal loan (car, study, etc.)

  • important medical expenses for a sick child and his university studies

  • the budget for groceries, clothing and family activities / contingencies, etc.

Permanent life insurance offers a financial protection to your beneficiaries during your entire life, even if you live past 100! It is normally reserved for financial issues that will exceed a lifespan of 80 years. That is why it is better to harmonize this kind of protection with the financial projects that will accompany you way past your retirement.

  • Highest return to investment ratio in the long run;

  • Fixed and guaranteed cost;

  • Choose from many payment terms (10 years, 15 years, 20 years or until age 65 or 100), after which your coverage will be fully paid and you will remain insured for the rest of your life without paying anymore.

It's a protection (or an investment) that can cover some or all of the following financial priorities:

  • Your last legal and funeral expenses (burial expenses, notary fees, executor's salary or wage);

  • An amount to give respite to your spouse during the years that follow your death so she or he can adjust to living without your financial contribution;

  • Cover all unpaid taxes associated with your valuable assets, such as your business, your cottage, your farm, your building, your investments, etc .;

  • Instantly create an inheritance for your loved ones

  • No matter the coverage or the amoutnt, it is always tax free.

ENTIRE LIFE INSURANCE

UNIVERSAL LIFE INSURANCE

PARTICIPATING LIFE INSURANCE

This is a subtype of permanent insurance, so everything you read for permanent life insurance (see above) applies. 

Also called Whole life insurance, the particularity of this contract is the guaranteed cash surrender value, that is to say, an amount that grows with time on its own and that you can use in different ways:

  • Borrow up to 90% of the available amount without a credit check:

    • The repayment is made at an interest rate of 8% (annual);

    • The amount borrowed reduces the coverage of your policy until the full amount of the credit is repaid;

  • Demand 100% of the cash surrender value to be deposited in your bank account;

    • the contract will be terminated at the same time.

This is a subtype of permanent insurance, so everything you read for permanent life insurance (see above) applies. 

 

The special feature of this contract is that it includes a deposit account that is attached to your insurance contract. It can be used for:

  • Tax-advantaged savings;

  • Get returns on your investment;

  • Pay your contract with the savings invested in case of health or financial problems, without requiring your intervention;

  • Combine the protection capital with your savings, making this an ideal and limitless solution to transfer your liquid assets to your heirs tax-free;

    • Preferably, but not necessarily, choose this insurance only if you have reached the maximum contributions to your TFSA.

This is a subtype of permanent insurance and whole life insurance (combined) so everything you read for permanent life insurance (see above) and entire life insurance applies.

 

The particularity of this contract is that it includes participative (unsecured) values that are attached to your insurance contract. It can be used for:

  • Offer you the opportunity to increase the value of your protective capital over time without injecting more money;

  • Use your unsecured dividends for:

  1. significant savings potential;

  2. get a cash surrender value;

  3. reduce your annual cost;

  4. increase your insurance amount;

  5. release your insurance before term;

  6. offer a financial base to your loved ones;

  7. finance the growth of your business;

  8. increase your retirement income;

  9. counter the effect of inflation on your death benefit

 
 
 

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