Life insurance as an Asset Class

There are four reasons clients  use participating whole life as an asset class.

  • Tax free growth. Similar to an RSP, money inside a whole life policy is deemed by Revenue Canada to be tax-exempt and therefore grows tax free.
  • Performance. Dividends are guaranteed to be paid and the increased annual cash values and death benefits are guaranteed. The current dividend interest rate is 6.25%.
  • Asset allocation. Sun life is the third largest debt provider in North American investing in Hospitals, Bridges and Roads making its asset allocation conservative with a history of robust performance in a participating insurance policy which means by law, the insurer must return 97.5% of the profit of the insurance portfolio to its policy holders (you).
  • Diversification. Perhaps most important is the fact that the traditional investment portfolio of stocks and bonds is no longer working and whole life is an alternative asset class.
  • Watch this VIDEO 

We work on behalf 19 Ontario Medical Associations and Hospitals where we negotiated a discount of up to 25% for insurance. We are not part of the OMA. We Save Physicians Money on their insurance.
Contact us at or call 416-222-1311.