Permanent life insurance is designed to provide lifetime coverage with no expiration date. Unlike term life insurance, it doesn’t end after a set period. As long as premiums are paid, your beneficiaries receive a guaranteed death benefit, no matter when you pass away.
In addition to lifelong protection, most permanent life insurance policies build a cash value you can use as part of a long-term financial plan.
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Permanent life insurance comes in two main forms:
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A type of policy that provides coverage for your entire life. Unlike term policies, it doesn’t expire after a certain number of years. As long as the policy is in force and premiums are paid, your beneficiaries receive the death benefit when you pass away. Most permanent policies also build a cash value over time.
Choose whole life if you want guarantees and simplicity: fixed premiums, guaranteed cash value, nothing to manage. Choose universal life if you want flexibility and control over how the savings are invested, and you are comfortable reviewing the policy every few years. Comparing quotes for both is the easiest way to decide.
Anyone who wants to leave a financial legacy, cover funeral and other final expenses, protect family wealth or a business partner, use insurance as an estate or tax-planning tool, or secure lifetime coverage without ever having to renew.
Term life covers you for a set period (10, 20 or 30 years) at a lower premium, then expires unless renewed at a higher price. Permanent life covers you for life, may include a cash value, and costs more, but the price is locked in for the long term.
Generally, yes. Because it provides lifelong coverage and builds cash value, permanent life insurance has higher premiums than term insurance. In return, it offers long-term stability and peace of mind, especially when planning your estate.
With ClicAssure.com, you compare permanent life insurance from reputable Canadian insurers by filling out one simple online form. You receive tailored quotes for free, with no obligation, and a licensed advisor in your province calls you back.
