1. Get lifetime insurance protection while building safely for the future.

As your assets grow, obtaining affordable lifetime protection becomes essential. TD Universal Life offers you economical cost of insurance protection, together with a tax-efficient investment vehicle. Add in the flexibility to modify the program as your savings or insurance needs change, or borrow against the policy's cash value, and you have the security and strong financial future your family deserves.

2. Tax relief for your investment income even after you've maxed out your RRSP.

With TD Universal Life, you can take advantage of a unique tax-deferred insurance vehicle that's tailored to investors who have exhausted their RRSP contribution limits, and need a smart investment alternative. You can choose from guaranteed rate investments or a range of investments linked to the performance of market indices such as the TSE 300 or S&P 500. While premiums are not tax-deductible, TD Universal Life ensures that in the event of your death, death benefits (including investment earnings) are paid tax-free to your beneficiary. Note that any amounts held in a surplus account as excess deposits are not exempt from tax.

3. Ensure a full inheritance for those who matter most.

Canada's tax laws can significantly erode your children's inheritance — depleting carefully acquired assets you've worked a lifetime to build, such as the family cottage or retirement savings plans. Substantial tax liabilities in your estate have the potential to leave loved ones with a financial shortfall you never thought possible. For an extremely small percentage of the assets held, TD Universal Life’s death benefit can provide the funds to cover the estimated taxes payable to transfer these assets and ensure your full estate ends up with the people it should.

4. Protect your business — and your livelihood.

TD Universal Life is a powerful financial tool that allows you to build your business assets, and insure the lives of key employees and partners. In the event of a death, TD Universal Life can provide the capital you'll need to assist your business through the transition period, or buy the outstanding interests for the surviving partners. Equally important, the cash value of your TD Universal Life policy may in certain circumstances be protected from personal creditors, preserving your investment for your family even in the event of business difficulty. This creditor protection is provided under provincial insurance laws and certain restrictions may apply. Speak to your legal advisor if this is important to you.

• Superior cash values
• Lower cost of insurance and minimum premiums
• Choice of guaranteed rate and indexed investment options

You can count on TD Universal Life to offer superior value, flexibility and simplicity. With its many options and features, TD Universal Life will provide you with the freedom to custom design your policy to suit your personal insurance and investment needs. Talk to us about your future, call a licensed TD Insurance Specialist. At no obligation, your TD Insurance Specialists will review your personal circumstances with you and recommend appropriate coverage.