Permanent Life Insurance

Decide today to protect your tomorrow

Permanent life insurance protects you for as long as you live. You choose how long you want to pay and your coverage continues after you have finished paying your premiums, even if your health changes. You get the best of both worlds: the security of life insurance combined with flexible premium payments.

You can add critical illness or disability coverage to your life insurance plan.

For payments over a fixed period

Offers premiums that will never increase, making it easier to manage your budget. You know how much you will pay and for how long.

L15 Ultra stands out in particular because it offers a return of premiums at death and significantly greater surrender values.

Permanent life insurance offers:

  • Premiums that will never increase.
  • Payments spread over 10, 15 or 20 years, or until 65 or 100 years of age.
  • A guaranteed insurability benefit for children insured by 21 years of age.
  • Appealing surrender values (not available for T100 insurance).
  • A return of premiums paid in addition to the face amount at time of death (L15 Ultra only).

To protect your children

Offers a comprehensive solution that insures your child’s life and covers his or her needs in the event of a critical illness.

Find out more about the critical illness insurance component.

Child Life & Health Duo insurance offers:

  • Permanent life insurance that is fully paid when the insured turns 30.  
  • Premiums that will never increase.
  • Coverage for several critical illnesses, conditions and juvenile illnesses.

For combined coverage

Offers the security of life insurance coverage with the possibility of financial assistance so you may obtain appropriate care when you are no longer able to care for yourself.

Life & Serenity 65 insurance offers:

  • Guaranteed life insurance coverage until the death of the insured.
  • A monthly benefit paid to the insured in case of loss of independence.
  • A waiver of premiums following diagnosis of an illness covered under the policy.

For coverage with no medical exam

Offers you a solution if you do not wish to undergo a medical exam or if your health prevents you from obtaining life insurance.

Alternative or Perspective insurance offers:

  • Enrolment with no medical exam. 
  • Premiums that will never increase. 
  • Benefits to inheritors doubled in case of accidental death. 
  • Guaranteed acceptance for the Alternative plan. 
  • Surrender values with Perspective coverage.