
Term Solution
Term insurance only provides coverage for a specified period, so it's possible you may outlive your insurance.
Permanent Solution
The proceeds from a permanent life insurance can provide your heirs or estate with the liquidity needed to pay final taxes, capital gains and settlement costs, preserving as much as possible of your estate (cottage, family business, investments, etc.) for your heirs.
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I have a young family and need life insurance, but my budget does not allow for much premiums.
I'm looking to cover a temporary need, such as a mortgage, line of credit, or business loan.
I know my immediate needs, but they may change in the future.
I'm concerned about providing the necessary resources for my child's future.
I would like to leave a legacy to my heirs or favourite charity.
I would like a tax-effective way of increasing my retirement income.
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Victor Camba
Senior Financial Advisor
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