Permanent Life Insurance
If You’re Thinking About a Lifetime PlanStart Here
Permanent life planning isn’t just about protection.
It’s a smart decision that stays with you for life.
It offers you stability, grows alongside you, and stands by your side no matter what—regardless of your age, health, or life’s unexpected turns.
And most importantly: it protects both you and your loved ones.
✔️ In the event of a critical illness,
✔️ If a disability happens,
✔️ And even as a long-term savings reserve you can access when needed.
This isn’t just about preparing for the unexpected.
It’s about planning wisely, so your family won’t have to face hard decisions alone tomorrow.
It’s about building a strong foundation—with tax benefits, financial peace of mind, and coverage that doesn’t expire.
📌 Of course, every story is different.
That’s why your first step should always be a conversation with James.
He’ll walk you through the options and help you find the plan that fits your real goals.
🔸 We all need permanent life planning.
What changes is when we choose to begin. Many think the time isn’t right just yet…
But the best time is always today—
Because once the unexpected happens, it’s too late to change the plan.
What Life Insurance Truly Does for You
Because true protection isn’t just about life—it’s about everything you’ve built.
🏠 Protects the wealth you worked so hard to build
Your home, your savings, your business—everything you built through years of effort. Life insurance safeguards it all, even when you’re no longer around to protect it yourself.
⚙️ Works without confusion or fine print
No endless paperwork or hidden conditions. James makes sure everything is clear, simple, and tailored to your needs.
📈 Grows with you at every stage
Life doesn’t stand still, and neither should your coverage. As your family, income, or goals change, your plan can evolve too.
🧠 Gives you peace of mind to focus on what matters
Rest easy knowing everything is under control—whatever happens. That kind of peace is priceless.
🔄 Permanent vs. Term
What’s the Difference?
Both types of life insurance offer protection—but they’re built for different goals. Here’s how they compare:
| Feature | Term Life Insurance | Permanent Life Insurance |
|---|---|---|
| Duration | Set period (e.g. 10, 20, 30 years) | Lifelong coverage |
| Cost | Lower monthly premiums | Higher premiums (but stays level if locked early) |
| Cash Value | No cash value | Builds cash value over time you can borrow against |
| Ideal For | Temporary needs: mortgage, income replacement, young kids | Long-term estate planning, tax-sheltered growth, final expenses |
| Flexibility | Simple, easy to cancel or convert | More complex, but includes savings and investment features |
✅ Protection is what truly matters. Both options offer peace of mind—the key is choosing what best suits your needs.
What matters most is being covered. Which one would you like to start with?
Have Questions? Don’t Keep Them to Yourself.
James is here to help you understand which plan fits your life—and your peace of mind.
Yes, because life keeps moving. A permanent policy protects your loved ones and yourself. It provides long-term security, financial planning tools, and peace of mind that grows with you over time.
Not at all. There are plans for every budget. Permanent coverage is a smart planning tool, not just a luxury. It’s designed to protect families, small business owners, and individuals who want to plan ahead.
In most cases, no. The death benefit is typically tax-free for your beneficiaries, and in Canada, policies may also grow tax-sheltered—adding long-term value to your financial strategy.
Life insurance policies in Canada are often protected from creditors, especially if your beneficiaries are family members. It’s a powerful way to shield your legacy from legal or financial risk.
Yes. Permanent insurance can be flexible. You can review your plan with James over time, adjusting coverage as your life or financial goals change.
Because there’s no one-size-fits-all solution. James takes the time to understand your needs and goals, so your plan fits your real life, not just a standard profile.
More Than Insurance. It’s a Life Plan.
Hear from those who discovered that protecting their future is something you don’t put off.
“It’s not just insurance, it’s part of my financial plan.”
I never realized how much flexibility permanent life insurance offers. James showed me how it can grow over time and even support me if I face a serious illness. I wish I had started sooner.
Caroline M., Vancouver
Would You Like James to Call You?
Leave your name and number, and James will personally get in touch to talk about your planning.
🟢 No pressure. Just a friendly conversation to understand your goals.
Thank you! James has received your request and will contact you very soon.
Our Locations
Service Area
Mississauga, Ontario
📞 416.508.2234 /
416.626.5068
📍 2585 Skymark Ave #306
Mississauga, ON L4W 4L5
📧 james@generationwealth.ca
