Investment Insurance
Investment insurance products combine life insurance protection with investment opportunities, allowing you to participate in market growth while maintaining insurance coverage. These products offer tax advantages, flexible investment options, and can be an important part of a diversified financial strategy.
Who It's For
- Individuals seeking market-linked returns with insurance protection
- Those wanting to diversify beyond traditional investments
- High-income earners seeking tax-efficient strategies
- People planning for long-term wealth accumulation
- Investors wanting both growth and protection
What It Covers
- Life insurance death benefit
- Market-linked investment options
- Tax-deferred growth
- Flexible premium payments
- Cash value accumulation
- Investment fund options
- Tax-free death benefit
- Withdrawal and loan options
Key Benefits
- Participate in market growth potential
- Life insurance protection included
- Tax-deferred investment growth
- Tax-free death benefit to beneficiaries
- Flexible investment options
- No contribution limits
- Creditor protection (in some provinces)
- Estate planning advantages
Common Questions & Answers
What's the difference between investment insurance and segregated funds?
Investment insurance is a broader category that includes various products combining insurance and investments. Segregated funds are a specific type that offer capital guarantees. Our agents can explain the different options and help you choose based on your goals.
Are there fees associated with investment insurance?
Yes, investment insurance products typically have management fees and insurance costs. However, the tax advantages and insurance protection can make them valuable despite fees. Our agents can provide transparent information about all costs involved.
Is this suitable for short-term investing?
Investment insurance products are designed for long-term wealth building — typically 10+ years. Early withdrawals may have tax implications and surrender charges. They work best as part of a long-term financial strategy.
Ready to Get Started?
Connect with a licensed insurance agent who can help you find the right coverage at the best price.