Lifelong protection
Guaranteed coverage that never expires as long as it's funded.
Universal Life
Permanent coverage, flexible growth.
Universal life combines lifelong protection with a tax-advantaged investment account inside the policy — useful for high-income earners and incorporated professionals.
Protection and investment, in one contract.
Universal life is permanent insurance with a built-in investment account. You choose the amount of coverage, the premium schedule, and how the excess deposits are invested inside the tax-sheltered environment of the policy.
For clients who have already maxed out RRSPs and TFSAs — especially incorporated professionals — universal life is often the next tax-advantaged bucket for long-term capital.
We design UL policies with careful attention to cost structure and investment options so the plan holds up across decades, not just the illustration.
What's inside
The details that matter.
Flexible premiums
Adjust deposits as your income and business evolve.
Tax-advantaged growth
Investment gains compound inside the shelter of the policy.
Corporate cash home
A structured way to grow retained earnings efficiently.
Estate liquidity
Funds capital gains tax at death without forcing asset sales.
Custom design
Cost and investment structure tailored to your horizon.
Talk it through
See how this fits your plan.
Book a private strategy call and we'll walk through how this service works inside a plan built for you.