Permanent life insurance

Desjardins Insurance

Permanent life insurance

Provides lifelong protection and a tax-free death benefit for final expenses, inheritance or charitable giving. It suits people seeking lasting financial support for loved ones; coverage continues as long as premiums are paid.

Payment periods

10, 15 or 20 years, or to age 65 or 100

Cash surrender

Available as of the fifth year

Beneva

Permanent Life Insurance

Provides permanent life insurance as an option for protecting family finances and covering final expenses. It suits people seeking permanent rather than term protection; term and permanent coverage can be combined for a tailored solution.

RBC Insurance

RBC Growth Insurance

Participating whole life coverage with tax-deferred growth.

Coverage amount

$25,000 to $25,000,000

Cash value

Guaranteed cash value accessible after 5th policy year

RBC Insurance

RBC Growth Insurance Plus

Participating whole life with early guaranteed cash value access.

Coverage amount

$250,000 to $25,000,000

Cash value

Accessible after 1st policy year; policy loans available

RBC Insurance

RBC Universal Life Insurance

Lifetime protection combined with tax-advantaged investing.

Eligible ages

0 to 85

Structure

Single or joint coverage

Compassionate advance

Up to 50% of death benefit, maximum $250,000

BMO Insurance

Whole Life Insurance

Provides permanent protection with a guaranteed death benefit and built-in cash value. It suits people planning final expenses, charitable gifts or estate needs; fixed level premiums are payable for a specified number of years.

Plan options

Estate Protector and Wealth Accelerator