Providing a full range of high exploring protection!

Through our years of experience, we've also learned that while each channel has its own set of advantages, they all work best when strategically paired with other channels.

Contact Us

Free consultation — no obligation
Licensed across BC, AB, ON & NS
20+ top Canadian insurers
No cost to you — ever
Permanent Life Insurance

Term 100 Life Insurance

Lifetime protection with guaranteed premiums and a straightforward policy structure. Term 100 offers permanent coverage without the investment complexity of other permanent products.

Get a Free Quote (604) 338-3042
Age 100 Premiums paid to — then free
Level Premiums fixed and predictable
Lifetime Death benefit guaranteed
Simple No investment component
How it works
Getting covered is simple
1

Book a free call

Sri reviews your unique needs, goals, and budget — completely free with no pressure or obligation.

2

Compare top plans

We shop 20+ Canadian insurers to find you the best coverage at the most competitive rate.

3

Get covered fast

Meet Sri on Zoom or in person to submit your application. Many plans are approved within 24–72 hours—often with no medical exam required.

About this coverage
Lifetime Protection with Guaranteed Premiums

Term 100 Life Insurance provides coverage that lasts for your entire lifetime, as long as premiums are paid. Premiums are typically paid until age 100, after which the policy becomes fully paid-up and coverage continues for the rest of the insured's life. Unlike other permanent policies, Term 100 focuses primarily on guaranteed protection rather than investment growth.

Term 100 insurance is commonly used for estate planning, final expense coverage, and ensuring that beneficiaries receive a guaranteed tax-free benefit. Its simple and straightforward structure makes it a practical solution for individuals who want permanent protection without complex policy design.

Key benefits
Key Features of Term 100 Insurance

Lifetime insurance coverage

Permanent protection ensuring your beneficiaries receive a death benefit whenever you pass away.

Fixed and predictable premiums

Guaranteed premiums remain consistent throughout the payment period — easier to plan long-term finances.

Guaranteed death benefit

Beneficiaries receive the full death benefit, which is paid completely tax-free.

Estate equalization

Ensure equal inheritances to heirs when estate assets are illiquid or difficult to divide equally.

Business insurance uses

Fund shareholder buy-sell agreements and key person coverage with fully guaranteed premiums.

Paid-up at age 100

Once premiums are fully paid, coverage continues for life at no further cost.

Common questions
Frequently asked questions
Term 100 is particularly beneficial for individuals planning for estate preservation, people who want guaranteed lifelong coverage, those looking to leave a financial legacy, those covering final expenses like funeral costs, and parents or grandparents wanting guaranteed financial support for beneficiaries.
No. Term 100 builds no cash value. Premiums go entirely toward the pure death benefit, making it simpler and typically less expensive than whole life for the same coverage amount. It has no investment component or dividend potential.
In most Term 100 policies, you are considered paid-up at age 100 and your coverage continues for life at no further premium cost.

Ready to protect what matters most?

Sri will find the right coverage at the best rate — no cost, no pressure, no jargon. Just honest guidance.

Book a Free Consultation (604) 338-3042

Licensed in BC, Alberta, Ontario & Nova Scotia • Powered by Experior Financial Group