.svg)
.webp)
Profit-sharing life insurance provides lifelong coverage with guaranteed benefits and flexible dividend options that promote value creation and long-term planning.
Profit-sharing life insurance offers lifelong protection, beneficial estate and tax planning, and long-term stability for families who plan beyond basic coverage.
.webp)
.webp)
Profit-sharing life insurance can pay unsecured, generally tax-free dividends that policyholders can use as cash, to reduce premiums, earn interest, or buy paid-up options to increase long-term value and flexibility.
Dividends can be used to increase coverage, build cash value, reduce premiums, or be collected in cash, and we help you structure them in a targeted manner to match your goals.
.webp)
Profit-sharing life insurance offers all the guarantees of traditional whole life insurance, with increased flexibility and the potential for growth through dividends.
It is suitable for those looking for lifetime coverage, stability, tax benefits, and long-term estate planning. Clic Prime helps you determine if the additional costs and complexity are in line with your goals, not short-term needs.
.webp)
.webp)
.webp)
We understand your goals and take into account your age, income, family needs, health, and schedule.
We compare participating policies from trusted Canadian insurers and structure coverage, dividends, and premiums based on your goals.
Clear explanations, no pressure, no hasty decisions: enlightened clarity, quite simply.
Consult with licensed experts who will guide you through your options and help you choose the lifetime coverage that's right for you.
Participatory life insurance is a form of whole life insurance that allows policyholders to participate in the benefits of the insurer through dividends. These dividends are not guaranteed, but many established Canadian insurers have been paying them regularly for decades.
The policy provides for:
Dividends can be used in a variety of ways depending on your goals. Some use them to increase their coverage. Others use them to increase cash value or reduce future premiums.
It is this flexibility that makes profit-sharing life insurance a powerful long-term planning tool when properly structured.
Profit-sharing life insurance is designed for people who want more coverage than basic coverage. It aims to ensure long-term stability and to plan for the future.
This type of policy can take care of:
These are not short-term gains. It's about building something stable that grows quietly while protecting your family no matter what.
Dividends come from the insurance company's surpluses, not from market performance. They depend on factors such as investment returns, the mortality rate, and the operating costs of the insurer.
Important to understand:
However, many major Canadian insurance companies have a long tradition of paying dividends, even during economic downturns.
Clic Prime explains dividend options clearly so you understand what's guaranteed and what's variable before choosing this type of policy.
Dividends can be used in a number of ways depending on how you want your insurance policy to evolve.
Common options include:
Each option changes how the insurance policy evolves over time. The best choice depends on what priority you have: protection, growth, or flexibility.
We help you structure your dividends intentionally instead of letting them happen by default, without a strategy.
Both are permanent insurance, but profit-sharing life insurance adds a level of potential growth.
Traditional whole life:
Life insurance with profit sharing:
Profit-sharing policies are generally more expensive, but they also offer greater earning potential over the long term when used properly.
Clic Prime helps you determine if the additional complexity and cost are in line with your goals.
Profit-sharing life insurance may be an ideal solution if you:
It is often chosen by professionals, business leaders, families with long-term responsibilities and people planning to pass on their assets.
It's not designed to meet short-term needs or quick savings goals.
The insurance coverage and the initial cash value are guaranteed. Dividends are not guaranteed.
This may be appropriate for people with long-term goals that prioritize stability and predictable growth.
It is a whole life insurance, with the addition of the possibility of receiving dividends.
The cost depends on age, health status, and coverage amount and structure. It is generally higher than that of term life insurance or basic whole life insurance.
Yes, through loans or withdrawals on policy, depending on the terms of the policy.
Growth within this contract benefits from fiscal advantages. Tax rules depend on the structure and terms of access to the contract.
People who need short-term coverage, a limited budget, or simple temporary coverage may be better served by term insurance.
Profit-sharing life insurance focuses on lasting protection and long-term value, rather than quick wins. Clic Prime explains it clearly to you so that you can decide with confidence, without pressure.
