Term Life Insurance

SunTerm: 5, 10, 20 year renewal terms are available, depending on your age. Policy is renewable until the policy anniversary date nearest the insured person's 80th birthday.

Permanent Life Insurance

Permanent: Less expensive than participating life insurance. It provides a fixed amount of life insurance coverage, and the costs for your coverage remain the same every year.
Participating: Your policy may be credited with policyholder dividends. You can use these dividends in a number of ways. You can use them to buy additional coverage, receive a cash payment, reduce your annual premium or you can leave them on deposit to earn interest. The choice is yours.

Universal Life Insurance

SunSpectrum: Appeals to people who are comfortable actively managing their insurance within their broader financial plan.
SunUniversal: Well-suited to people whose investment, tax, and insurance needs require special solutions.

Critical Illness Insurance

SunSpectrum Basic: Covers 4 full payout illnesses; cancer, coronary artery bypass surgery heart attack and stroke.
Sun Critical Illness Insurance: 25 full payout illnesses, 4 partial payout illnesses, 5 childhood illnesses (plus 2 additional illnesses starting at the policy anniversary following the child's 18th birthday)

Individual Disability Insurance

Disability Insurance: Your earning potential is a far more valuable asset than your automobile or your home. Disability insurance is designed to protect you from the possible loss of income. A custom designed individual disability insurance plan will provide you with guaranteed coverage and guaranteed premiums.

Long Term Care Insurance

Sunlife LTC: When you build and review your retirement income plan, it's important to consider your future health care needs. Long term care insurance can help you protect this plan - helping you maintain your standard of living as much as possible.

Payout Annuities

Life Annuity: Provides income payments for as long as you live. You have the option to choose a guaranteed period. If you pass away before the end of that period, your beneficiary receives a death benefit.
Joint Life Annuity: Provides income payments for as long as either you or your spouse (or person of your choice) is alive.
Term Certain Annuity: Provides income payments for a specified period of time. If you die before all the payments have been made, a death benefit is paid to a beneficiary.

Segregated Funds

SunWise Essential Series 2: Allows you to invest with confidence, by combining growth potential of world-class, professional managed investment funds with security features of an insurance contract. It can provide safety and security for you and your family. SunWise Essential Series 2 contracts are issued by Sun Life Assurance Company of Canada and managed by CI Investments.

Ready to speak with an adviser, get a quote or simply need someone to answer a question?

Contact Us and a licensed life agent serving Clarington Bowmanville-Newcastle will take time to ensure you clearly understand all your options.

Not in Clarington Bowmanville-Newcastle?

Live Help

We are here to help, even if it is as simple as finding the right phone number for that policy you bought when you got married.

Insurance Glossary

Long Term Care Insurance: Insurance that provides financial protection for persons who become unable to care for themselves because of a chronic illness, disability, or cognitive impairment, such as Alzheimer's disease.



      How Much Insurance Do I Need?

Copyright © 2014 Life Insurance Guy Clarington Bowmanville-Newcastle, Ontario, CANADA