Flexible and comfortable coverage

These life insurance policies offer the most room to manoeuvre, along with affordable and advantageous coverage. They also offer immediate financial security and a great deal of flexibility in terms of the duration:

  • Age 1 to 40
  • Over 65
  • Up to age 85

Imagine a scenario:
You have a 25-year mortgage. Term insurance will cover you for this period of time. If anything happens to you while the policy is in effect, it will cover:

  • Funeral costs
  • The balance on your credit cards
  • Your personal loans
  • Repayment of your mortgage

For a set amount of time where you have more bills to pay, this is certainly a great option.


Convertible and renewable insurance

When you take out term life insurance, the advantages include:

  • Low cost
  • Set amount of time
  • Coverage period corresponding to a specific event

In other words, you only pay for what you need. In addition, if you choose a 15-year term, you will be able to renew your coverage when the term is up without any proof of health requirement.

As you reevaluate your financial situation during the different stages of your life, this type of coverage gives you the option to convert your policy to permanent insurance, in part or in whole.

Term insurance for life

Aimed at clients who want insurance on a permanent basis, 100-year term insurance offers:

  • Flexible coverage options
  • Economic advantages
  • The option to make tax-sheltered payments that your beneficiaries can use to cover different expenses

While they don’t have any cash value, these policies let you maintain the same premiums. While most term insurance premiums go up like the steps of a staircase as you renew them over the years, 100-year term insurance premiums will never increase.