Ontario Community Newspapers

Waterloo Chronicle (Waterloo, On1868), 1 Jul 2009, p. 16

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re-wnmwo CIIWOWEdnudly. luly 1. 2009 - O O O - O O C , A Parhcrpatrng life insurance a good Investment it ‘ O , to meet your lonrmg-te financml needs kmsawmlamjnec. thereâ€"somakingthedecision lnthiscolumn.wewillfocuson Yul-velowtol-Ineekirrfl mmdmfiwml about what's right foryour person- onetypeoflnsuranoethatyou You want protectionforaliie- \ l ‘ K ‘ ‘ al situation. budget and longer: should consider if your needs and time with guaranteed premiums. ‘ ‘ am there are a whole lot of me term financialand retirement wants match this profile. ‘ guaranteed cash values and tax- \ l ( l \ l \ insurance types and products out goals can be diflicult. » geee benefits guaranteed for your a" neficranea ,. a. ‘ You want an investment com- ' f. j ponent included with your insur. ~ 4’ _ _‘ ' ‘ aneeooverageprovidingthepoten- ‘ » ,7 r ' tial for tax-deferred growth without , 7 the need to manage those invest» $â€" merits. » I t RUSS “lawn-Wm MCEACHNIE You want to build tu-advan- _ taxed savings that you can draw merit professionak ‘ - upon as needed for personal or when the actual returns on w 1 . bmrnessneerkhldioughanycash theseinvectmemsaregreaterthan If: ‘ -. values withdrawn from such a polr- the mpfiom in place fat the life 1 , w cyrnaybesubjecttotax). of the policy. there is an account ' . surplusthatispaidtopolicyown- 1 A o ‘1‘ \‘ :1 1 W You ‘3“ 83‘ all ofthese benefits ers in the form of dividends . ' in; rd . "1d a k" “‘0" from W“ (although policy owner dividends is! 1%” ‘ Life insurance or also known as “not guaranteed). ’ o . WT“; ' ““2535!“ Insurance corn Dividends have a cash value » game-e“ " _ PM ti , ' that is credited to your policy and “ \, r 7‘.“ (IA! RI!) brneelrfeirmramgwithanmveet- ownedbyyw.Youcanmethedivi- . sP‘ _fi___, merit component that also pays dends to increase the policy’s cash /’/ W valueonam-advantapdbosisJo ‘ ' 24888 PARlnsrunnceworkslikethis: widldrawcashfromyourpolicyor ? . ' , mWflDmth bonowapinstitJobuyadditional 1 '3‘ / r , With thepremlums from “I the insurance without the need to S *‘ -. 7 . . \1 other WW holding '_ PAR prove your insurability or to lower , I \ ‘ _ -7:._‘1.:L-.‘ ~’ policy wnh that life Entrance com- your outâ€"of-podtet premiums. ‘ _ ,, . . ,_ , w WHY- . , PAR insurance products are 7 " - 7’ ‘ "Dre amount of your premiums available with many coverage and 3 . V ' ” and the other coverages in your M 0960115- f ' policy are calculated using “"9 Your professional advisor can 1 _ . termmmpdomfordeathdaims. mmMmflm‘ urinsur- _ l Sm invuttnentretumsandotherfac- moovemgetomeetgurneeds 5 i ' . . tors todayand tomo . 5 1 ‘ a. ”Us” ' ’ ' Your guaranteed premium. val- it“, 5 «j ° M uesanddeathbenefltarebasedon m - _ : mam... » we» anon-namumeea WMJWMWW l : ‘ minus-u - ' WWWMWW mbuyor'wmytnm Cut- 1“"; A _In t In. ' 'l'hepooledprernlumslromall - . , ,- l. whamhnkbymndatsm . . ‘ , V, ”w.“ a > pollqholdenareimenedlnabel- ”Mmzu’wmm. : "1mg; CA ' _ bi , 2 4 8“” ‘ F V . ”it“: 5%" ' . p...- '" 1‘ ‘ » a ‘4! s -. 7, : ~" , ‘ 3‘ 4 ‘ . â€" Q, ~* 1 'l V v 4? 3 < ‘ 1 r ‘ ‘ ‘ K g 1 I I , J «in; ‘ ‘ 1;: ”3-1-1;- .5 ; «of t ‘ r ‘ 1‘ . ’ Exit“! " ' ‘ r 3? ‘3 I _ Q ,1 ‘5 .‘3 4. ‘3 ; a g l r a i l

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