A Universal Life policy is a powerful financial tool that offers both life insurance protection and savings.  You can:

• Customize the policy to suit your needs.
• Change your coverage and investment mix as your needs change.
• Accumulate tax deferred savings.

A Universal Life Insurance Plan can be used for:

Estate Planning

• Protect your family with permanent life insurance.
• Pay final taxes on your estate at death.

Retirement Planning

• Provide added tax-deferred savings for those who have maximized their RRSP contributions.

Business Planning

• Enables a tax-effective way to unlock the value of your business at retirement.
• Provide added executive compensation.
• Provide tax-free funds for partner or shareholder buyouts.