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, a guaranteed cash value¹, and a guaranteed death benefit
Policyowner dividends
Leave them with us to earn interest², 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 benefits³ 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 benefits⁴
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 accessed⁵ 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.



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.
*Optional benefits can be purchased separately with your policy.

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

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.
¹The Cash Value may be accessed by a withdrawal, policy loan, or surrender. Taxation may apply and a tax slip will be issued as appropriate.
²Dividends are not guaranteed and are paid based on the overall experience of Serenia Life Financial, considering all the risk factors. Dividends may be subject to taxation. Dividends will vary based on the actual investment returns in the participating account as well as mortality, expenses, taxes, lapses, withdrawals, and other experience of the participating block of policies. They have the potential to increase the value of your policy above the guaranteed amount, depending on the dividend option selected.
³Optional benefits can be purchased separately with your policy.
⁴Serenia Life Financial’s member benefits and programs are not contractual.
⁵The Cash Surrender Value (CSV) within Serenia Life Financial’s participating whole life product has both a guaranteed and non-guaranteed component. Accessing the CSV can be done in a variety of forms, including taking a loan against the cash value within the policy. To maintain the in-force status of the policy, the loan must be repaid according to the terms of the policy, and the death benefit will be reduced if the loan is not fully repaid.
Confused by these terms? Reach out to your advisor or contact Member Services