life insurance

Life insurance isn't just about what happens after you’re gone —

it's about how confidently you live today, knowing your family is protected no matter what.

A Gift of Certainty in an Uncertain World

Our Guardianship of Assets strategies, which is the third step to achieving total financial freedom, include insurance planning, legal protections, and risk management techniques. We ensure that your loved ones are well-protected, allowing you to focus on growing your wealth without undue worry.

Providing financial security to beneficiaries upon death as well as protecting your assets is crucial to maintaining financial freedom. This step involves safeguarding your accumulated investments, real estate properties, and other valuable assets from potential risks and estate taxes. Your life insurance payout always goes to whomever you choose tax-free. The money can be used to pay bills, the mortgage, kids’ education, wealth for next generation or to keep your business running.

Meeting the needs of our clients' risk management and estate planning objectives often involves the use of insurance products. Today, more than ever, there is a broad range of modern insurance programs tailor-made for specific protection requirements, and as an independent broker, is ideally positioned to search the market for the best product at the best price to meet your specific needs.

The following is a list of some of the different types of life insurance plans available to our clients through us.

Term Life Insurance | Affordable, temporary peace of mind

Term policies provide insurance coverage for a specified period (e.g., a fixed number of years, or to a set age) and then expire. A death benefit is paid only if you die during the term of the policy.

Term policies are commonly available for terms of five, 10,20 or 30 years, or to age 65 or age 75. Most term policies do not include cash values. Hence, premium costs are lower than for permanent policies - at least when you’re younger. Suitable for temporary needs such as mortgage; child education and needs for continuing income for the family.

Find the right Term policy here.

To compare the features of different types of policies, see the following chart below.

Term To 100 | Affordable, permanent peace of mind

Term to 100 policies provide life insurance coverage through to age 100, therefore categorized as a permanent plan. It don’t include cash values or pay dividends so the premiums are lower compared to the traditional permanent policies with cash value. They’re ideal for permanent needs like funeral costs, supplementing a loved one’s income, covering estate taxes, or caring for a dependent child with lifelong needs. Find the right Term 100 policy here.

To compare the features of different types of policies, see the following chart below.

Permanent Life Insurance | Wealth Creation and Protection with guaranteed growth

Permanent life insurance has several variations: whole life, universal life, variable life. All are designed to provide insurance protection for your entire lifetime, as long as you keep the policy in force. Thanks to their tax advantages, permanent life insurance is also a powerful tool for wealth creation, estate planning, and insured retirement strategies — often used by corporations and high-net-worth individuals to grow and protect wealth efficiently.

Find the right Term 100 policy here.

Life Insurance for Seniors & Hard-to-Insure Canadians


Because Everyone Deserves Dignity, Protection, and Peace of Mind we specialize in providing accessible and affordable policies tailored for seniors, diabetics, and other individuals who may have difficulty obtaining coverage. Our approach eliminates the hassle of medical exams, with almost all of our policies approved in minutes through a simple instant quote process. Once you purchase a policy, your coverage begins immediately, offering peace of mind and financial stability for your family’s future. We strive to make the insurance experience as smooth as possible; simply fill out our quotes form, and one of our licensed advisors will reach out to guide you through your policy options and assist with your application. Join thousands of satisfied customers who have found the right coverage without the complications. Find the right policy here!

Life Insurance Comparison

Comparison Feature
Whole Life
Universal Life
Term to 100
Term
Period of Coverage
Life
Life
To age 100
Depends on term contract (e.g., 10, 20 years). Usually not past age 70 or 75.
Premium
Guaranteed. Usually level.
Flexible. Can be increased or decreased by policyholder within certain limits.
Guaranteed. Usually level.
Guaranteed and level for term. Increases with each new term.
Death Benefits
Guaranteed in contract. May increase via dividends in participating policies.
Flexible. May increase or decrease according to fluctuations in cash value / funding.
Guaranteed in contract. Remain level.
Guaranteed in contract for the term duration.
Cash Values
Guaranteed in contract. Builds over time.
Flexible. May increase or decrease according to investment performance / deposits.
Usually none. (Some may have a small value after a long period, e.g., 20+ years).
Usually none. (Some long-term policies may have a small cash value or other non-forfeiture value).
Other Non-Forfeiture Options
Guaranteed in contract (based on cash value).
Guaranteed in contract (based on cash value).
See Cash Values (Generally none).
See Cash Values (Generally none).
Dividends
Payable on "participating" policies. Not guaranteed.
Most policies are non-participating and do not pay dividends.
Most policies are non-participating and do not pay dividends.
Most policies are non-participating and do not pay dividends.
Advantages
Provides protection for your entire lifetime. Premium usually stays level. Builds cash value. Potential dividends.
Lifetime protection. Flexibility in premiums and death benefit. Tax-advantaged growth potential.
Provides protection to age 100. Level premiums. Usually less expensive than Whole/Universal Life initially.
Suitable for short-term insurance needs or specific liabilities (e.g., mortgage). Lowest initial cost. Often convertible.
Disadvantages
Initial cost may be high. Less flexible than Universal Life. Cash value grows slowly initially.
Can be complex. Requires sufficient funding to maintain coverage. Investment risk for cash value growth.
Usually no cash value or non-forfeiture options. Less flexible than Universal Life.
Premiums increase with age/renewal. Coverage eventually terminates. Becomes costly at older ages. Usually no cash value.

For more information on life insurance in Canada, please visit the Canadian Life and Health Insurance Association (CLHIA).

Navigating Your Options: The Hexavision Mentorship Advantage

Navigating the world of Insurance – understanding the nuances of Term Life VS Permanent, coverage need analysis, tax implications, and advanced strategies like Corporate Insured Plans can feel complex.

This is where clarity and objective guidance are essential. Hexavision believes in empowering Canadians to make informed financial decisions. That's why we offer our no-cost mentorship program.

Our experienced mentors provide unbiased education, helping you understand complex options for Insurance, weigh the pros and cons based on your personal circumstances, and compare them confidently against other options.

We're here to partner with you, enhancing your financial literacy so you can choose the path that truly serves your goals.Taking the step to secure Life Insurance is an act of responsibility and love. Let Hexavision help you make that decision with confidence.

Working Hours

🟢 Monday to Saturday : 9:30 AM - 6:30 PM

🔴 Sunday : Closed

Our Service Area

Ontario | Quebec

Alberta | Nova Scotia

British Columbia | Saskatchewan

New Brunswick

Join Our Blogs

Kanwaljit (Sunny) Kochar DBA Hexavision Enterprise is licensed to sell Segregated Funds investments, Life and A&S Insurance products in Ontario, Alberta, QC, NB, SK, NS and British Columbia. Not available in other provinces.

License #s: FSCO LIC#17161321 (ON), AIC LIC # M-3493167-1763384-2020 (AL), BC LIC#LIC-2020-0022136-R01 (BC). Insurance and segregated funds provided by Carte Risk Management Inc.

@ 2025 Hexavision Enterprise| Terms And Condition| Privacy Policy | Advisor Disclosure

© 2025 Hexavision Enterprise. All rights reserved

Our Service Area

Ontario | Quebec

Alberta | Nova Scotia

British Columbia | Saskatchewan

New Brunswick

Working Hours

🟢 Monday to Friday : 9:30 - 6:30 EST

🔴 Saturday and Sunday : Closed

Join Our Blogs/Newsletter

Kanwaljit (Sunny) Kochar DBA Hexavision Enterprise is licensed to sell Segregated Funds investments, Life and A&S Insurance products in Ontario, Alberta, QC, NB, SK, NS and British Columbia. Not available in other provinces. License #s: FSCO LIC#17161321 (ON), AIC LIC # M-3493167-1763384-2020 (AL), BC LIC#LIC-2020-0022136-R01 (BC), AMF LIC# 2023-CI-1016414(QC), LIC # 087345 (SK), FCSC LIC# 220039066 (NB) Insurance and segregated funds provided by Carte Risk Management Inc.

@ 2025 Hexavision Enterprise| Terms And Condition| Privacy Policy | Advisor Disclosure

© 2025 Hexavision Enterprise. All rights reserved