PERMANENT LIFE INSURANCE
What is permanent life insurance?
Permanent life insurance is a flexible, guaranteed product that helps ensure the financial security of your loved ones by covering insurance needs such as:
- Bequests to your heirs
- Estate tax management
- Expenses related to death and financial obligations
- Continuity of your business
- Protection for your investments
Benefits of permanent life insurance coverage
Flexible
Your needs change and you want to modify your coverage? Our flexible products let you transform your coverage over time and adapt it to your current needs.
Customized
No surprises, no worries! Coverage tailored to your budget, so you can determine how long you pay premiums, for preset terms of 10 or 20 years, or until your retirement at age 65.
Reassuring
This insurance comes with many guarantees, including the premium and the coverage amount. This means your premiums will never increase, making it easier to budget.
Who is permanent life insurance for?
Permanent life insurance is ideal for many types of people, depending on their financial goals. Here are a few examples:
- Seniors: Protect your estate and ensure that your heirs receive a non-taxable death benefit
- Parents of young children: Give your children long-term value that starts today
- Those who wish to avoid a medical examination: Whether you are in good health or your health is suffering (Access Life product)
Permanent life insurance offers lifetime coverage, fixed premiums and the ability to accumulate surrender value over time, regardless of your profile.
Whether it’s to cover expenses associated with your death, to leave an inheritance to your family or because you’re a newcomer or planning to start your own business, permanent life insurance is an excellent option.
Coverage adapted to your needs

Whole life
This permanent life insurance product is designed to protect your family’s financial security. Whether you’re planning your life together, buying a property, having a baby, starting a business or even planning your retirement, whole life insurance gives you the peace of mind you’re looking for.

Access Life
Access Life provides simple, comprehensive financial coverage that’s accessible to everyone and that covers your financial protection needs in the event of death. A perfect solution if you don’t want to go through medical examinations or if your state of health, or any other reason, prevents you from choosing regular life insurance. Enrolment is easy—just answer a few questions about your current state of health.
Find out about Access Life
Child Life & Health Duo
Child Life & Health Duo is designed to protect your child for life and provide coverage in the event of critical illness. The premium for this life insurance is fully paid up by the time your child turns 30. Coverage is based on your child’s growing needs, and includes guaranteed insurability and surrender values.
Protections adapted to your needs

Lucas, 25 years old
- Video game developer
- Male, non-smoker
L65 Whole life insurance
Amount of insurance guaranteed for life:
$200,000
Lucas, a bachelor with a new degree in game design, has decided to start his own business. He understands the challenges of entrepreneurship and the importance of planning for the future. He’s looking for a life insurance policy that can guarantee him a lifetime face amount.
Premium
$ 124.38 / mois
up to age 65
$0 thereafter

Maria, 32 years old
- Newcomer to Canada
- Female, non-smoker
Access Life L100 Simplified Issue Life Insurance
Amount of insurance guaranteed for life: $50,000
Maria recently immigrated to Canada with her family. She is looking for additional life insurance that will provide her and her family with adequate coverage to pay for funeral expenses in her native country in the event of her death.
Premium
$ 36.50 / mois
up to age 100
$0 thereafter
Compare our permanent life insurance products
Whole life | Access Life | Child Life & Health Duo | |
---|---|---|---|
Quick payments | |||
Fixed and guaranteed premiums | |||
Guaranteed face amount | |||
Surrender values | |||
Face amount | Up to 10 000 000 $ | Up to 500 000 $ | Up to 500 000 $ |
Tax-free death benefit |