Lifetime protection, with value that builds
Permanent life covers you for life and can build a cash value you can use later.
Permanent life: the essentials
Unlike term, permanent life does not end: as long as premiums are paid, the coverage remains. Many contracts build a cash value, useful for a project or retirement.
It is often used for estate planning, covering tax at death or leaving a legacy. A licensed advisor explains the options and compares insurers.
What should you prepare before your request?
Identify what you want to protect, existing coverage and your timing. Questions adapt to the insurance category you choose. No documents are required in this questionnaire.
You can defer sensitive answers where that option is offered. Do not enter diagnoses, social insurance numbers or banking information.
Who provides the advice?
Clic Prime prepares the referral in Quebec, in French or English. The professional takes over to assess your situation. The questionnaire is not an offer, an approval or a personalized recommendation.
Check a professional in the AMF registers (French)Check the authorizations for the service you need. This link does not imply that the AMF endorses Clic Prime.
Why go through Clic Prime
Free and no obligation
Your request and the match cost you nothing. You are never obligated to move forward.
One single form
Answer once and we route your request to the right professional — no need to shop around one by one.
Licensed professionals
You are matched with advisors and brokers duly registered with the AMF.
Fast
A professional contacts you quickly to compare the options suited to your situation.
Frequently asked questions
What is cash value?
It is a value that builds in certain permanent contracts; you can access it during your lifetime, under conditions. An advisor explains how it works and its taxation.
Is permanent life more expensive?
Yes, the premium is higher than term, because coverage lasts a lifetime and can build value. The right choice depends on your goals.
Ready to compare?
Answer a few questions and a licensed professional will contact you. Free and no obligation.
Other products
Clic Prime is a referral service. Clic Prime is not a registered firm and does not provide insurance, mortgage or investment advice or products. Your request is routed to professionals duly registered with the Autorité des marchés financiers (AMF) or the relevant regulators, who provide the advice and products appropriate to your situation.