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Whole Life Insurance

When it comes to the future, there are no guarantees – except when it comes to a participating Whole Life insurance policy. Premiums never got up, and your family can depend on a guaranteed payment after your passing. Plus, this type of protection can grow with your needs.

Why choose Serenia Life for Whole Life Insurance?

At Serenia Life Financial, our life insurance comes with a whole lot of guarantees. In addition to guaranteed payment for your loved ones, here’s what you can expect from a Serenia Life Financial Whole Life policy:

The best of both worlds

Combine lifetime protection with the potential to grow your savings through cash values that are accumulated in your policy

Lifetime guarantees

Enjoy guaranteed premiums, guaranteed cash values, and a guaranteed death benefit

Policyowner dividends

Leave them with us to earn interest, buy additional life insurance, or opt to receive them in cash … the choice is yours!

Savings opportunities

Enjoy tax-preferred growth within your policy

Customized optional benefits*

Choose from a selection of benefits that have been optimized to meet the needs of Canadians like you

Unique member benefits

Support your family, your community, or a cause that you care about with our collection of unique member benefits

The right coverage for your needs

In addition to paying a lump sum in the event of your passing, Whole Life also provides cash values that can be accessed as they accumulate in the policy – to help fund important life milestones, such as a child’s post-secondary education, emergencies, or to enhance your retirement.

Choose from Whole Life or 20-Pay Whole life below. At the time of purchase, consider customizing your policy with one or more of our additional optional benefits. And be sure to review the Bereavement Counselling Benefit that is included with your plan.

Whole Life

A guaranteed death benefit, guaranteed cash values, and guaranteed premiums that are payable until your 100th year. And yet, your coverage remains intact well beyond age 100. With this product comes the opportunity to earn policyowner dividends – and the potential to grow savings that can be accessed in the future.

20-Pay Whole Life

A guaranteed death benefit, guaranteed cash values, and guaranteed premiums that are payable for 20 years – when it comes to making payments, there’s an end in sight. And yet, your coverage remains intact well beyond those 20 years. With this product comes the opportunity to earn policyowner dividends – and the potential to grow savings that can be accessed in future.

benefits of life insurance

Additional optional benefits

When you purchase a Whole Life or 20-Pay Whole Life insurance policy at Serenia Life Financial, you have the option to customize your plan with a number of optional benefits.

Learn More

*Optional benefits can be purchased separately with your policy.
whole life insurance explained

Other products

Looking for long-term insurance coverage that is cost effective? Consider Term to 100

Need a short-term insurance option that is easy to convert when the time is right? Consider Term Life

Not sure which is right for you? Reach out to an advisor at Serenia Life Financial! Contact an Advisor

Life insurance matters

Whether you’re looking to buy your first home or are soon to welcome a new addition, you’ll want to understand why life insurance matters at each stage of your life.  

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Insure yourself today. Enrich your tomorrow.

Whether you want to take care of your future, your family, or your community, the first step is understanding how much life insurance you need.

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