TD Waterhouse Insurance Services

Core Insurance Products

Life

• Term Life Insurance provides a death benefit for a fixed number of years (e.g., 10-year term) or until the insured reaches a specific age.
• Permanent Life Insurance is a generic term for coverage that can last for life. Included in this category are:
• Whole Life Insurance - which remains in force for the life of the insured and offers a tax-advantaged build-up of cash value.
• Universal Life Insurance - which provides lifelong coverage combined with tax-advantaged investment options that you control.
• Term to 100 - offers guaranteed lifetime protection with premiums typically payable to age 100.

Living Benefits

• Disability Insurance - income replacement if you are unable to work because of illness or injury.
• Long-Term Care Insurance - funds that can be used for living assistance if you become unable to care for yourself.
• Critical Illness Insurance - lump sum payment if you are diagnosed with a medical condition such as heart attack, cancer or stroke.

Investments

• Life Annuity - a contract sold by insurance companies that provides a guaranteed income for life with possible tax advantages.
• Insured Annuity - a two-part plan that combines income (annuity) with a guaranteed return of capital to your estate (life insurance).
• Segregated Funds - investment funds offered by insurance companies that combine the growth potential of mutual funds with the security of insurance.

Creditor

• Creditor Insurance is protection that provides a benefit that can eliminate or make payments on outstanding debts such as a mortgage, loan, or line of credit, in the event of death, disability or critical illness.

Take the next step

For more information please call your TD Waterhouse Advisor for a referral or contact TD Waterhouse Insurance Services at 1-866-757-2008.