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Permanent insurance is ideal for people who want lifetime coverage, stable premiums, and long-term financial planning benefits. Your age, goals, stable income, and estate needs all determine if this type of coverage is appropriate.
We analyze your profile and compare permanent life insurance options offered by trusted Canadian insurers. You learn how different formulas work, how value is built over time, and what best fits your goals.
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If you decide to continue, a certified advisor will accompany you throughout your request, with clarity and serenity. Details of coverage, premiums, and long-term prospects will be explained to you prior to your engagement.
Term life insurance is designed for specific periods of life, such as raising children or paying off a home loan. Permanent life insurance, on the other hand, has no expiration date and can be used for estate planning, long-term dependent protection, and financial planning.
Term insurance is more affordable early in life, while permanent insurance offers stability, guaranteed benefits, and long-term value. Many Canadians use both at various stages in their lives.
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We explain how the value of money increases over time and what factors influence it.
See the concepts of whole life, universal life, and duration up to 100 years side by side.
Make informed decisions by getting advice from certified experts.
Talk to licensed Canadian advisors who will explain permanent life insurance in simple terms and help you choose coverage that will support your family for a lifetime.
Talk to an Expert
Whole life insurance provides lifelong coverage with fixed premiums and a cash value that increases gradually. A portion of each bonus constitutes capital that you can access later or that you can bequeath to your beneficiaries.
A portion of each bonus contributes to the cash value, which increases over time and can be used or bequeathed to your estate.
For people who want lifetime coverage, estate planning support, predictable premiums, or long-term financial stability.
When you want coverage with no expiration date or an insurance policy that fits into your long-term financial planning.
Permanent life insurance is available in several main formulas. Each type is designed to meet different long-term goals, budgets, and planning styles.
Offers guaranteed lifetime coverage with fixed premiums and steady cash value growth. Ideal for those looking for predictability, long-term stability, and a policy that increases in value consistently over time.
It combines permanent coverage with an investment component. It offers flexible premiums and growth potential based on investment choices, making it suitable for long-term planning with greater control and flexibility.
Offers lifetime coverage with reduced premiums but no cash value. It is designed for people who want permanent protection at the most affordable cost, without investment options.
Because it is valid for life and can include added value, unlike term insurance that expires.
You deserve life insurance that is clear, simple and based on concrete advice. Clic Prime helps you compare your options, understand what really fits your situation, and make an informed decision with confidence.
