Secure Your Family’s Future and Your business future with Comprehensive insurance Coverage

Protect your loved one and achieve financial peace of mind with tailored solutions from PolyLine Group

Life Insurance

Life insurance gives your loved ones an instant estate if you were to pass away unexpectedly or prematurely. It pays a pre-determined one-time tax-free lump-sum to your loved ones which they can use for whatever they need.

Why Life Insurance?

  • It covers our financial commitment and needs.
  • It allows your family to keep their quality of living.

  • It covers final expense in the event of death.

  • It ensures your business continuity

  • It is great compliment for life insurance offered by your employer

Discover Life Insurance That Grows With You

Life Insurance from PolyLine Group is more than just a safety net—it’s a foundation for lasting financial confidence. Whether you’re looking to protect your family, secure your business, or plan your legacy, our tailored life insurance solutions are designed for every stage of life. Choose from flexible term policies for affordable, short-term protection or permanent coverage for lifelong peace of mind and wealth building. Our expert team guides you step by step, helping you select the right plan—Term Life, Universal Life, Participating Whole Life, or Term 100—to suit your unique goals. With guaranteed coverage, tax-free benefits, and options for investment growth, you can rest easy knowing your loved ones and your future are in capable hands.

Term Life Insurance

Term life insurance is affordable, flexible, and simple solution. It covers your term needs like Mortgage, children financial support until they are independent etc. There is term 10 years to 40 years depending on age and needs. You may have renewable and convertible riders which means they provide you the options to renew it until age 80 or 85 years old in the end of the term, or convert it to another kind of life insurance. Premiums and coverage are guaranteed and stay level for the entire term. This kind of life insurance provide you with peace of mind for a given time and support your family’s financial security.

Permanent Life Insurance

Permanent life insurance is a preferred solution that gives you lifelong coverage which never expires. It covers your permanent needs like estate taxes, your heirs, your final expenses. Coverage is guaranteed for your entire life. Also, you can determine how long you pay the premiums, and when you want the premiums to stop (ex: retirement).

There are different types of permanent life insurance policy such as universal life insurance, participating whole life Insurance, and term 100.

Universal Life Insurance Policy

This type of policy offer you lifelong guarantee coverage which is tax free death benefit to your beneficiary. The premium is very flexible you can use the advantage of minimum or maximum premium, or premium holiday which allows you to pause your premiums whenever you want, as long as there is money inside your accumulation fund. Also, you have the option to grow your saving on the tax preferred basis and enjoy Cash Surrender Value (CSV) advantage. You can select the investment fund options and modify anytime. Universal life brings you flexibility, security and diversity, and potentially great long term investment fund returns, using insurance to also build wealth.

Participating Whole Life Insurance

These types of policy offer you lifelong guarantee coverage which is tax-free death benefit to your beneficiary and also guarantee premium and guarantee cash surrender value. There is chance to grow cash value and dividends. Based on your choice, these dividends can be applied to one of the following dividend options: Paid-up additions (PUA), Annual premium reduction or Payable in cash. Whole life insurance brings you solidity, discipline and stability.
These types of policy offer you coverage until 100 years old without cash value. Premium and coverage are guaranteed and stay level for the entire term.

Living Benefit

We offer two kinds of Living Benefit insurance, which are designed for you to use while you are living.

• Critical Illness Insurance

• Disability and Income Insurance

Critical Illness Insurance

Critical Illness Insurance is a policy that pays out a lump-sum benefit to yourself in the event of diagnosis with a life-threatening critical illness. It usually covers up to 25 conditions.

Why Critical Illness Insurance?

Life Insurance is designed to protect your family while Critical Illness Insurance is designed to protect yourself against conditions like cancer, heart attacks, strokes.

The way it works is that if you were to ever be diagnosed with one of the covered conditions, the insurance company would pay out a one-time, lump sum, tax free payout.

You can use that payout for whatever you like; if there is a treatment in another country, if you want to take some time off work and focus on recovery, or if you find out you have 6 months to live and you just wanted to travel the world, you can use the money for whatever makes the most sense at the time.

Critical Illness Advantages

• Up to 25 conditions it covers

Comprehensive protection with great flexibility to meet your specific needs.

• Term 10, 20, 25, 75 or 100.

A very affordable solution with a quick application process you can count on.

• Optional Return of Premium rider.

With the flexible Premium Refund Rider, you may be able to receive all premiums that were paid into the plan after a certain date if you terminate your coverage.

• Optional Death Reimbursement Rider.

All your premiums paid will be paid to your beneficiary in the event of death before the end of your coverage.

• Onetime lump sum amount of your protection, Tax Free, use for whatever you want.

Critical Illness Insurance Can Help You:

• Reduce debt and other financial concerns while you cope with your illness

• Replace any reduced or lost income for you and your spouse, who may wish to take time off work to care for you

• Bring in additional help at home for you and your family.

• Consider new medical treatments and medications not covered by private or government health insurance plans

Why Disability Insurance and Income Protection?

Disability and income insurance provide you a source of income in the event of injury or sickness. You can protect your income when you are unable to work, not having to worry about your financial commitments and can concentrate on your recovery. It helps you reduce financial stress while you are in disability leave from work, also helps you to cover overhead expense of your business if you are a business owner or self-employee.

Travel insurance

A Travel Insurance provide an emergency health and medical insurance while you are travelling out side of Canada and you don’t have coverage in the event of an accident, injury or sickness. Also, offer an emergency health and medical insurance to visitor to Canada, international student or new immigrant whom does not have provincial health coverage yet.

Group Benefit plans

If you are business owner, Group Benefit plans is great solution to separate yourself from the competition in the market. It offers supplementary coverage for the cost of physical and mental health expenses which are not fully cover by provincial health care plans, for your employees, individuals or families. Group benefit plans normally offers medical insurance, life insurance, disability insurance, and retirement plans to the members and their family.

We offer Term Life, Universal Life, Participating Whole Life, and Term 100 policies to suit diverse needs.

Our advisors provide personalized consultations to assess your goals, budget, and coverage requirements.

Yes, premiums for our life insurance products are guaranteed and remain level for the policy term.

Many of our policies offer options to convert to permanent coverage or adjust coverage as your circumstances evolve.

Life insurance payouts are typically tax-free for beneficiaries, providing financial security during difficult times.

Yes, our policies can be structured to cover final expenses, debts, and other financial obligations.

Absolutely. Permanent life insurance is a valuable tool for estate planning and wealth transfer.

Simply contact us for a complimentary consultation. We’ll guide you through every step to secure the right policy.

Get Great Advice

Improve your financial literacy. Create a budget, save for retirement and other long‐term plans, save for short‐term and mid‐term plans, pay off bad debt, use debts in your advantage, buy property, protect your family. Each phase of the cycle overlaps and needs to be managed using a comprehensive approach.