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 will receive a guaranteed death benefit, no matter when you pass away.
In addition to lifelong protection, some permanent life insurance policies offer a cash value component, which can be used as part of a long-term financial plan.
With ClicAssure.com, you can quickly receive personalized quotes from trusted Canadian insurers and find the best permanent life insurance based on your needs, goals, and budget.
✔ Lifetime protection, no term limits
✔ Option to build cash value over time
✔ Ideal for leaving an inheritance or covering final expenses
✔ Guaranteed payout to your beneficiaries, regardless of age
✔ Free, fast quote comparison with ClicAssure
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Permanent life insurance is 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 will receive the death benefit when you pass away.
Some permanent life insurance plans also include a cash value, which accumulates over time and can be accessed under certain conditions.
This type of insurance is a great option if you want to:
If your goal is to support your family in the long run, or to leave a lasting benefit, permanent life insurance is often the better choice.
Generally, yes. Because it provides lifelong coverage and may accumulate cash value, permanent life insurance usually has higher premiums than term insurance. However, it offers long-term stability and peace of mind, especially when planning your estate.
Yes, some policies allow you to build cash value over time. Depending on the terms of your policy, you may be able to borrow against it or withdraw a portion, making it a flexible asset if you ever need access to funds.
With ClicAssure.com, you can easily compare multiple permanent life insurance policies from reputable Canadian insurers. Just fill out one simple online form and receive tailored quotes for free, with no obligation.
