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Universal life insurance is designed for people who want lifetime coverage combined with investment growth and flexibility. It is particularly suitable for long-term planning rather than simple or temporary protection.
Clic Prime analyzes your age, health, income, risk tolerance, and long-term goals. We then compare the options offered by trusted Canadian insurers and explain how each formula works.
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Once your options are understood, we support you throughout the application process, with clarity and serenity. You only move forward when you feel confident.
Universal life insurance combines permanent protection with tax-efficient investment growth. Part of your premium is used to cover the cost of insurance, while the rest goes to the capital of your contract. Ultimately, this capital can contribute to retirement planning, wealth growth and the implementation of appropriate inheritance strategies.
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We understand your long-term goals and financial priorities.
We clearly compare universal life insurance options offered by different providers.
We intentionally structure your insurance policy around growth and protection.
Use experienced Canadian advisors who will clearly explain your options and support you every step of the way.
Universal life insurance is permanent life insurance with an integrated investment account. It offers lifetime coverage while allowing you to grow your capital over time.
Part of your premium is used to finance your insurance, and the rest is invested in an investment that grows while benefiting from tax advantages. You can often adjust your contributions based on your long-term goals.
This product can be very beneficial for those looking for lifelong protection combined with increased investment. Its suitability for your situation depends on your goals, the stability of your income and your long-term vision. We support you in this evaluation.
Whole life insurance is predictable, stable, and guaranteed. Universal life insurance is flexible, adaptable and offers investment opportunities. Your choice depends on your preference between simplicity and flexibility.
Yes. Universal life insurance contracts make it possible to build cash value thanks to their investment component. This amount increases over time and depends on your contributions and the return on your investments.
You can access cash value through loans or withdrawals, depending on the terms of your contract. Clic Prime explains how these options work so that you fully understand your possibilities.
If you buy back your policy, you will receive its cash value net of fees. Once purchased, the coverage ends. We help you understand the consequences of this decision.
Universal life insurance does not have a traditional expiration date. As long as you pay the required premium and the policy has sufficient value, it stays in effect for life.
You can cancel your contract. The amount you receive depends on its cash value and any costs. We help you understand the financial impact before making any changes.
The cash value depends on the type of contract, age, changes in contributions and the insurer. Each contract is unique. We help you understand how its value is calculated and how it evolves.
Clic Prime helps you understand your options, choose the right structure, and develop a long-term plan that supports your family and your future.
