All life companies provide term coverage. Most have strengths such as specializing in health insurance. Some companies may offer lower rates in the early years of a policy vs companies that may offer savings over the long term.
Chose your favourite company from the list to learn more.
BMO Life Insurance
Canada Protection Plan
Sun Life Financial
Transamerica Life Canada
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Participating Insurance: Insurance on which policyholders share in the surplus earnings attributed to that business. "Policyholder dividends" are payable. The premium is based on an estimate of future earnings at a somewhat lower level and costs at a somewhat higher level than the company believes most likely will occur.