Life Insurance and Estate Preservation

Over the years, you have accumulated substantial savings so that you can live a comfortable retirement, free of financial worries. You would like your spouse and your heirs to benefit from these savings so that they can maintain their current standard of living. However, when you die, your investments will probably be subject to income tax—which may considerably reduce the value of your estate.

Fortunately, you can keep your estate intact—and hence the standard of living of your loved ones—by taking out life insurance.

Do You Have Difficulty Obtaining Insurance?

Occasionaly, adults, retirees and sometimes even children have difficulty obtaining insurance for medical reasons. If you are one of these people, you can turn to insurance without medical examination, which is specially designed for you.

At Industrial Alliance, we have designed Alternative and Perspective, two insurance products offered without a medical examination or blood test.

Alternative is life insurance for persons between 6 months and 80 years of age. Premiums are payable for 10 or 20 years, or up to the age of 85 years;

Perspective is life insurance for persons 35 to 75 years of age. Premiums are payable up to the age of 100 years.