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Term insurance answers a temporary question: what if something happens while the mortgage is still owing? Permanent life insurance answers a different one: what do I want to be certain of, no matter when it happens? The coverage lasts your entire life, premiums are typically built to stay level, and the policy can grow value over time that you may access while you’re living.

That kind of certainty does jobs no other tool does as well. Final expenses arrive whenever they arrive. Taxes at death, on investment portfolios, on a business, on the family cottage, can force the sale of the very things a family hoped to pass on; permanent coverage is often the most efficient way to fund them so nothing has to be sold. For many families, it’s also the foundation of a legacy: a guaranteed, tax-free amount for children, grandchildren, or a cause close to the heart. One quiet truth worth knowing: the earlier coverage is in place, the better the terms tend to be, and insurability today is never guaranteed tomorrow.

Permanent insurance comes in several forms, with real differences in guarantees, flexibility, and how value builds. We’ll explain the options in plain language and compare Canada’s top insurers to design coverage that does exactly the job you need done.