Secure

Your Future

Protecting Your Loved Ones with Reliable

Life Insurance Solutions

What is Participating Life Insurance

How does it work?

You can choose from different payment options to fit your needs. Premiums are level and guaranteed, and can be paid over 10 years, 20 years, or up to age 100.

With participating permanent life insurance, you may also receive dividends, which vary from year to year. Depending on your choice, dividends can be used to:

Increase your paid-up insurance

Reduce your annual premium

Be taken as cash

Be invested in an account that earns interest

As your needs change, you can switch how your dividends are used without any new medical requirements.

Paid-up insurance: Permanent coverage that requires no further premiums, purchased through dividends or additional deposits.

2 Participating Insurance Options:

Participating Estate Solution

This permanent life insurance option helps you maximize your wealth by growing both the cash value and the total amount of insurance over time.

It’s an ideal choice if you are:

A parent or grandparent wanting to create a lasting financial foundation for your family with paid-up permanent insurance that grows long term

A professional with surplus income who wants to build wealth in a tax-efficient way

A business owner seeking flexible permanent insurance with access to liquidity

Advantages

Grow your wealth over your lifetime while keeping coverage in place

Reduce the tax impact on your estate at death

Access long-term liquidity when needed

Provide a strong financial base for your children or grandchildren, while protecting their future insurability

Participating Wealth Solution

This permanent life insurance option is designed to provide strong cash value growth in the early years, while also supporting long-term estate planning and wealth transfer.

It’s an ideal solution if you are:

An incorporated professional looking for quick returns and a tax-efficient way to transfer wealth

A shareholder who wants to diversify assets, reduce taxes, and meet both personal and corporate insurance needs

A business owner who values high surrender values to help finance investment projects while protecting estate value

Advantages

Gain access to short-term liquidity that can be reinvested in your business or income-earning assets

Generate early returns on your investment

Strengthen your company’s balance sheet through asset diversification

Support the long-term growth of your wealth and estate value

A product that adapts to your needs

Amelia, age 32

Daniel, age 34

Daughter, age 4

Parents of Sophia, age 4

Male and female, non-smokers

Amelia and Daniel have a daughter, Sophia, who is four years old. They are very comfortable financially and are both engineers. Their annual family income is $210,000. They max out their registered savings every year and are looking to provide Sophia with a strong financial foundation for the future.

Build their estate

Age 4:

Life insurance amount $150,000

20-year payment

Age 30:

Total policy cash value $59,856

Age 65:

Total policy cash value $511,961

Maximizing estate assets:

Age 90:

Death benefit $2,345,917

Michael, age 35

Dentist

Male, non-smoker

Michael is a partner in a dental practice. His annual income is $190,000 and he anticipates strong income growth over time. He wants permanent life insurance to maximize his estate, generate cash value, and diversify his assets in a tax-efficient vehicle.

Build his estate

Age 35:

Life insurance amount $500,000

Payable to age 100

Age 54:

Annual dividend amount $8,661

Age 65:

Total policy cash value $608,440

Maximizing estate assets:

Age 90:

Death benefit $3,066,281

Ethan, age 40

Medical specialist

Male, non-smoker

Ethan, a medical specialist with an annual salary of $600,000, is looking for portfolio diversification, long-term returns, and a medium-term source of liquidity. He also wants to protect his estate. The 10-year payment option is the ideal solution for him to accumulate a substantial policy cash value, leave a larger inheritance, and quickly pay up his premium.

Build his estate

Age 40:

Life insurance amount $1,000,000

10-year payment

Age 50:

Death benefit $1,279,954

Age 65:

Total policy cash value $1,270,429

Maximizing estate assets:

Age 90:

Death benefit $5,677,118