Participating life insurance

Participating life insurance is the best way to ensure your loved ones are provided for when you’re gone.

Ideal to

  • Maximize the value of your estate
  • Accumulate tax-preferred cash values that you can access anytime
  • Increase your death benefit to keep up with inflation
  • Adapt your coverage options as your needs evolve over time

How it works

With participating life insurance, some things are guaranteed and some aren’t:

  • What’s guaranteed: your premiums, your death benefit and some cash surrender values
  • What’s not guaranteed: annual dividends

What we offer

Take advantage of our flexible participating life insurance coverage options!

Personalized coverage

  • Decide how long you want to pay your premiums:
    • For 20 years or to age 100
  • Get a guaranteed, tax-free death benefit
  • Use dividends to purchase additional life insurance or reduce your annual premium
  • Choose to stop paying premiums while maintaining your coverage

Additional coverages

  • Pay no premiums if you become disabled while covered
  • Benefit from additional life insurance amounts without proof of good health if you’re the owner of a growing business

How to buy a policy

Make an appointment with a representative today. They’ll assess your financial needs and recommend a solution best-suited to your priorities.