Discover how modern Canadians use Cash Value Life Insurance to access money for education, investments, or retirement - while keeping your family fully protected for life.
Unlock compounding interest, enjoy tax-free retirement income, protect yourself with living benefits & build generational wealth for your family.
Cash Value Life Insurance is a type of permanent life insurance (Whole Life or Universal Life) that not only provides lifetime coverage but also builds cash value over time. This cash value grows tax-deferred and can be accessed while you’re still alive.
Each time you pay your premium, part of it goes toward your life insurance coverage, and part of it goes into a cash value account that grows over time.
This accumulated value can be used for things like education, investments, emergencies, or retirement.
Yes! That’s one of the biggest benefits.
You can borrow or withdraw from your cash value for major life expenses — many Canadians use it for business expansion, property investment, or as an emergency fund.
It depends on your premium and policy type, but typically you start building accessible cash value within the first few years.
Some plans can accumulate usable value within 2–3 years.
Your beneficiaries still receive the death benefit.
If you’ve taken a loan from your cash value, the amount you borrowed will simply be deducted from the payout — your loved ones are always protected.
No. Term life insurance expires after a set number of years and has no cash value.
Cash Value Life Insurance (Whole Life or Universal Life) provides lifetime protection and the ability to grow wealth tax-free while you’re alive.
You can start with as little as $200–$500 per month, depending on your budget and goals.
During your free consultation, we’ll show you exactly how your coverage and cash value would look at your preferred budget.
No. The growth inside your policy is tax-deferred, and if accessed properly (through policy loans), it can be tax-free.
That’s one reason this strategy is considered a powerful wealth-building tool in Canada.
It depends on your age, health, and the amount of coverage you want.
Many Canadians qualify for no-medical-exam policies or simplified applications that only require a short health questionnaire.
Most Canadians can apply between 15 days and 55 years.
However, the younger and healthier you are, the lower your premiums and the faster your cash value can grow.
In Canada, life insurance policies are protected by Assuris, a not-for-profit organization that protects Canadian policyholders.
If your insurance company fails, Assuris guarantees your coverage and benefits up to specific limits.
Yes — many policies allow you to adjust your premiums or add lump-sum contributions to grow your cash value faster.
We’ll review these options during your personalized consultation.
Not at all. Cash Value Life Insurance is designed for everyday Canadians who want to protect their families and grow long-term wealth at the same time.
You choose the amount that fits your budget, and your plan grows with you.
Simply book your free consultation below.
We’ll go over your financial goals, budget, and coverage options — and show you what your personalized plan could look like.