Universal Life Insurance

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At M.S. Insurance, we understand that your financial goals and priorities are unique. That's why we offer universal life insurance, a versatile and customizable solution designed to adapt to your changing needs.

What is Universal Life Insurance?

Universal Life Insurance is not just a life insurance policy; it's a financial tool that combines lifelong coverage with an investment component.

Key Benefits:

• Lifelong Protection: Ensure that your loved ones are financially secure throughout their lives, no matter what the future holds.
• Flexibility: Tailor your premium payments and death benefit to suit your evolving financial situation and goals.
• Cash Value Growth: Watch your policy's cash value grow tax-deferred, providing you with a source of funds for emergencies or opportunities.
• Tax Advantages: Enjoy potential tax benefits on the cash value growth and death benefit payouts.
• Legacy Planning: Create a lasting legacy by leaving behind a substantial inheritance or charitable donation.
• Risk and Reward: Universal life insurance policies typically offer various investment options, allowing you to choose how your cash value is invested. This means you have the potential for greater returns, but also bear the associated investment risk.
• Customized Protection: Universal life insurance can be tailored to your individual needs, making it a versatile option for both protection and wealth accumulation.

Universal life insurance offers a unique blend of flexibility, investment potential, and life coverage. It provides you with control over your policy and the opportunity to build cash value for future financial goals. However, it's essential to speak thoroughly with an agent or advisor to ensure that universal life insurance aligns with your specific financial objectives and risk tolerance.  Consider booking a consultation or leaving a message on our home page to find out whether universal life insurance is right for you.

Why Choose M.S. Insurance?

Choosing the right life insurance policy is a significant decision, and we are here to make it easier for you.  Through a personalized consultation, we assess your specific requirements and financial situation.  Next, your needs will be tailored to the right product(s).  This process is followed by our research, mainly guided by our access to a multitude of experienced life insurance agents and business owners, as well as through LifeGuide® - an insurance research tool that enables financial institutions, brokers, advisors, agents, & lawyers to make informed insurance-related choices through analysis, comparison and research.  In other words, we guarantee Canadians the most affordable, effective products on the market.  Manulife, SunLife, Industrial Alliance, you name it!