Protect Your Assets

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.
• Segregated Funds - investment funds offered by insurance companies that combine the growth potential of mutual funds with the security of insurance.

Take the next step

For more information please call your TD Waterhouse Advisor for a referral.

All insurance products contain certain restrictions, limitations and terms for continuing coverage as outlined in the specific policy documents. Please be sure to read all materials carefully.

All insurance products and services are offered by licensed agents of TD Waterhouse Insurance Services Inc., a member of TD Bank Group.