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What Others Are Saying.

TERM or PERMANENT?

TERM

PERMANENT

What is it?

Temporary protection (limited time)

Life long Protection Can Accumulate Cash Value Used for Estate Planning

Who is it for?

Young Families and Mortgaged Homeowners

Long Term Focused Individuals

People Looking Beyon RRSP and TFSA

What is it?

Cheap to START
Get lots of insurance.
Simple

Guaranteed Premiums For life. Later in Life, Cheaper than term. Opportunity for tax advantaged cash value growth.You can borrow against the policy

What is it?

Coverage ENDS The Cost Increase hurts after renewal No Cash Value

Expensive for younger people compared to term. Not as simple due to tax and legal implications.

What is it?

When Younger When Needs are temporary ( mortgage, kids being dependent)

Later In Life When the Cash Value becomes substantial. 
Highly Taxed individuals.