Universal Life Insurance

Universal Life plans are specially engineered to combine life insurance protection with investment returns. Through flexible policy features, you can customize the different choices of death benefits and investment options to satisfy your changing insurance needs at all times.

YOU MAY:
• Increase your Basic Coverage up to an amount of your choice.( Proof of insurability will be required.)
• Add Term Insurance Riders to provide additional coverage. (Proof of insurability will be required.)
• Construct your own investment portfolio from a variety of investment options.
• Apply for a loan against the cash value or withdraw all or a part of the cash value, a portion of which may be reportable as taxable income.
• Enjoy tax-deferred growth on your investment returns earned based on the current provisions in the Income Tax Act (Canada).

To best maximize the fund value of your Universal Life policy, the insurers offer a series of guarantees including:
• Guaranteed minimum returns on Daily Interest and Guaranteed Interest Accounts
• Guaranteed maximum daily Insurance management fees on Indexed Accounts
• Guaranteed Level Cost / YRT (Yearly renewal term rates )
• A guaranteed Monthly Administration Fee



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