Non-Par Whole Life Insurance

Non-Par Whole Life insurance is permanent insurance with built-in guarantees that can protect you and your family from life’s uncertainties. As the name suggests, it is life insurance for your whole life, with level premiums guaranteed not to change as long as payments are made on time.

Built for you

Non-Par Whole Life insurance offers stability and affordable protection for your family’s needs such as: 

  • Estate planning
  • Funeral or other final expenses
  • Income for your surviving spouse
  • A financial legacy for your children
  • Cash value you can use during your lifetime

If you’re looking for lifetime protection that can help your peace of mind, Lawyers Financial NPWL insurance may be the right choice for you.

Your Questions Answered

I’m young and in great shape. Do I have to pay as much as everyone else?

Good for you. Ask about your eligibility for preferred rates based on your good health, on coverage amounts of $250,000 or more. 

Do I get a break if I buy more insurance? 

Yes. The more Whole Life insurance you own under the same policy, the lower your rate will be. Volume discounts begin with insurance amounts of $100,000. 

I’m a smoker but planning on quitting, will my premiums be higher?

Under the Non-Par Whole Life, single life insurance plan, smokers get the advantage of paying lower non-smoker rates for the first two policy years. These rates may be maintained by providing satisfactory evidence that you meet the insurers definition of non-smoker any time before the second policy anniversary.

What if I forget to make a payment or am unable to keep up my premiums due to illness or injury?

If you forget to make a premium payment, your coverage is protected through the Automatic Premium Loan feature that will pay your premium through a loan against the policy if the available Cash Value is sufficient to cover that premium amount. Also, you may purchase the Waiver of Premium Rider that may pay your premium if you are totally disabled for 6 months or longer before age 60. 

PLAN detailS

Click here for the Non-Par Whole Life plan details

Lawyers Financial Advisor can answer your questions and design a plan that meets your needs.

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Non-Participating Whole Life insurance is underwritten by Foresters Life Insurance Company, a wholly owned subsidiary of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9).