Full-featured and flexible protection

Your life is busy, and your family or business needs may change often. You need life insurance that will grow and change with you to help protect the people who matter most. InnoVision is a full-featured, flexible universal life insurance contract you can customize to fit your current and future priorities, as well as your tax, wealth accumulation and estate planning goals. It is ideal if you want to:

  • Leave a tax-free legacy for your loved ones
  • Build assets tax-deferred or potentially tax-free
  • Customize your protection
  • Insure key people in your business
  • Exercise partner/ shareholder buy-outs


Help protect wealth transfers to your beneficiaries and maximize your investment returns on a tax-deferred basis

If you have better than average health and lifestyle characteristics, you may be able to save money on insurance costs

Choose premiums that increase annually or pay a little extra for premiums that never go up

Flexible protection you can customize to meet your needs

  • Choose a bonus option to either earn additional interest (loyalty bonus) or enjoy lower management fees on your investment accounts
  • Access your cash value tax-free if you become disabled

Plan details

Core plan:

  • Coverage starts at $100,000
  • Choose from over 50 investment accounts
  • Choose your reward: a loyalty bonus or lower management fees on investment accounts
  • Guaranteed insurance costs subject to certain conditions
  • Guaranteed minimum interest investment accounts

Optional add-on:

  • Invest with tax advantages
  • Add term life insurance
  • Get protection in case of accidental death
  • Help protect your benefit from inflation
  • Skip premium payments if you become disabled subject to certain conditions
  • Guarantee your future eligibility for more life insurance for yourself and as a business owner (based on the growth of your business)
  • Help protect your children and guarantee they can get their own life insurance in the future, regardless of their health

Ready to buy?

If you’re ready to buy InnoVision universal life insurance, or if you have questions, speak to your advisor. If you don’t have an advisor, we can help you find one.