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Universal Life Insurance That Fits Your Needs

Because you deserve protection that suits your requirement and your wallet.

Logos des assureurs partenaires : Union Vie, Industrielle Alliance, Canada Vie, Forester, Sun Life, Humania, RBC, BMO, et plus.

Take it to the next level with Universal Life Insurance

Universal life insurance doesn’t just give you peace of mind for a lifetime; it also transforms your insurance policy into a strategic investment vehicle.

Indeed, Universal life insurance is not only used to provide a death benefit to your loved ones. It can also act as an investment tool for yourself during your lifetime.

With built-in investment options, your policy is more than just collateral, it becomes an asset in itself that can grow alongside your other investments.

We understand that each individual has unique needs and goals. That’s why universal life insurance is designed to be as flexible as you want it to be. You can choose from several investment options to personalize your policy according to your financial objectives, whether they are focused on growth, balance or security of capital.

Diversity of Needs, Diversity of Protections.

Universal Life Insurance

Lifetime warranty

Universal insurance is flexible and provides financial security for your loved ones and allows you to obtain both life insurance and an investment account that grows tax-free.

Participating Life Insurance

Life Warranty

Participating life insurance offers permanent life insurance and tax-advantaged growth opportunities. In addition, it may entitle you to payments in the form of dividends which allow you to purchase additional insurance or reduce your annual premium.

Logo d'Industrielle Alliance, compagnie d'assurance vie basée à Québec, Canada

Industrielle Alliance

Founded in 1892 and based in Quebec, Canada.

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Logo de la compagnie d'assurance Canada Vie

Canada Life

Founded in 1847 and based in Winnipeg, Manitoba.

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Logo de la compagnie d'assurance Sun Life

Sun Life

Founded in 1865 and based in Toronto, Ontario.

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Logo de la Banque de Montréal (BMO), banque canadienne basée à Montréal, Québec, Canada pour la comparaison d'assurance vie

Bank of Montreal

Founded in 1817 and based in Montreal, Quebec.

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Founded in 1887 and based in Toronto, Ontario.

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Logo de la Banque Royale du Canada (RBC)

Royal Bank

Founded in 1864 and based in Toronto, Ontario.

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With life insurance, you protect your loved ones if something happens to you.

Because the Future cannot be improvised.

As with any life insurance, the universal policy acts as a financial shield that protects your loved ones from the disastrous impacts of an unexpected death, such as loss of income, school fees and funeral costs.

But she does more than that. Thanks to its integrated investment options, universal life insurance transforms into a powerful financial lever that allows you to maximize your capital for the future.

The peace of mind you get doesn’t stop at maintaining your loved ones’ standard of living in the event of your death. It also extends to managing your inheritance and growing your wealth through a variety of investment options.

Universal life insurance allows you to customize your policy based on your financial goals. Whether you are looking to maximize your capital growth or obtain tax benefits, this insurance meets all your needs. Your beneficiaries are not the only ones to benefit; it is also a profitable investment for your own future.

what people say

Francis Roy
Francis Roy@francis.bouchard
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Eric went beyond my expectations. The service was quick and he was able to use all the information I gave him to offer me tailored insurance. thanks again
Mireille Bouchard
Mireille Bouchard@mireille.bouchard
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Great experience and advisors attentive to my needs.
Yassine Mehdi
Yassine Mehdi@yassinemehdi
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I just wanted to leave a review to say how impressed I was with the experience I had with your company. Everyone was so professional and helpful, and I was really happy with the product or service I received. I highly recommend your company to anyone looking for a quality experience. Thanks again for your excellent work!
Stéphanie Langevin​
Stéphanie Langevin@niniisouris78
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I was very satisfied with my experience with this company! The price was unbeatable and I managed to save money. I recommend without hesitation!
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I thought I was uninsurable because I had trouble getting insurance before. I learned that several companies could offer me very good fonts at good prices!
Jean Francois
Jean Francois@jean.francois
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Thanks again and I will do business with you in the future


Foire aux questions

Universal life insurance essentially combines two financial products into one: a life insurance policy and an investment account. You can usually choose from a variety of investment options, such as mutual funds or stock indices, to grow the cash value of your policy. This amount can be withdrawn or borrowed during your life, under certain conditions, giving you financial flexibility for needs such as buying a house, financing your children’s education, or even retirement.

The cost of universal life insurance can vary widely depending on several factors, and it’s difficult to give a precise number without having specific details. Here are some of the factors that can influence the cost:

Age: The younger you are when you buy the policy, the cheaper it usually is.

Health Condition: Medical exams may be required, and pre-existing medical conditions may increase costs.

Lifestyle: Smoking, consuming alcohol, having a risky job, etc., can also influence prices.

The investment account in a universal life insurance policy is a feature that distinguishes this type of product from other, more traditional forms of life insurance such as whole life insurance (also called permanent life insurance) or term life insurance. . Here’s how it generally works:

Payments and Allowance
When you pay the premium for your universal life insurance policy, part of it is used to cover the cost of the insurance itself — that is, the risk the insurer takes to provide you with a benefit. death. The other part is paid into a separate investment account within the policy.

Investment Choice:
You usually have the ability to choose how this money is invested. Options may include mutual funds, index funds, bonds, or even more conservative options like fixed-rate savings accounts.

Growth and Taxation
Gains generated from these investments are normally tax-free as long as they remain in the policy. This allows you to benefit from compound growth without having to pay taxes on the gains each year.

Access to the Investment Account:
You can often withdraw or borrow (tax-free) money from the cash value of the policy, subject to certain conditions. Note that this may impact the death benefit value of your policy, and taxes may apply depending on the strategy chosen.