Term & permanent life
Review temporary protection for defined needs, permanent lifetime coverage, or a combination of both.
INSURED BY BRARInsurance made personal.← Back to homeCoverage overview
Life and living-benefit options through iA
iA Financial Group offers insurance solutions for different life stages. I can help you understand how the available structures may fit your family, debt, income, estate, or business needs.
Simplified options
Simplified and no-medical-exam solutions may be available for clients seeking an easier application process or facing health challenges.
Living benefits
Critical illness and disability income coverage can help protect your finances during a covered illness, injury, or loss of income.
Types of risks we insure
Coverage for real-world needs.
These examples are a starting point. Availability depends on the risk details, insurer appetite, eligibility, underwriting, and policy terms.
Life insurance options
Coverage can be structured for temporary, permanent and estate-planning needs.
- Term life insurance
- Whole life insurance
- Universal life insurance
- Participating life insurance
- Term and permanent combinations
- Simplified-issue options
Living benefits
Protection may also help with the financial impact of illness or disability.
- Critical illness insurance
- Disability income insurance
- Accident coverage
- Health-related living benefits
- Return-of-premium options where available
- Individual and family protection
Common planning goals
The appropriate structure depends on who and what you want to protect.
- Income replacement for family
- Mortgage and debt protection
- Children's education funding
- Final expenses and estate planning
- Business succession and key-person needs
- Leaving an inheritance
Coverage availability, limits, eligibility, definitions, exclusions, and policy terms vary by insurer and product. I’ll review the applicable details with you before you make a decision.
Request this coverage ↑Common questions
Helpful answers before you begin.
What is the difference between term and permanent life insurance?+
Term insurance provides coverage for a selected period, while permanent insurance is designed to remain in force for life if policy requirements are met. Cost, guarantees, and features differ.
How much life insurance should I consider?+
The amount depends on income replacement, debts, mortgage, education goals, final expenses, existing assets, and who relies on you financially.
Are simplified or no-medical-exam options available?+
They may be available depending on age, coverage amount, health history, and product eligibility. Simplified coverage can have different pricing, limits, and conditions.
Can couples or business partners apply together?+
Coverage can be reviewed for spouses, individual family members, business owners, key people, and buy-sell funding needs, although each insured person generally has an individual application.