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About Standard Life Insurance for Canadians

Standard Life is a savings and investment company. Its international headquarters are located in Edinburgh, Scotland. Standard Life provides services and products to over 6 million customers around the world. Some of the places that Standard Life operates in include the United Kingdom, Canada, the United States, Asia Pacific and Europe. In Canada, Standard Life’s full name is the Standard Life Assurance Company of Canada. Standard Life was founded in 1825 and has been offering Canadians services and products since 1833. In Canada, Standard Life employs 2,000 people and provides insurance to 1.3 million people. Standard Life offers Canadians things like portfolio management, group insurance, life insurance, mutual funds. Standard Life’s Canadian headquarters are located in Montreal, Quebec.

Insurance Options From Standard Life

Standard Life offers three types of life insurance products: whole life insurance, term life insurance and universal life insurance. Standard Life’s whole life insurance comes in the form of Whole Life 100 or Whole Life Limited Pay. Whole Life 100 allows you to stop paying premiums once you reach the age of 100. With Whole Life Limited Pay, you can pick the age at which you would like to stop paying premiums; for example, you can choose to stop paying premiums at the age of 65 or 75. Whole life insurance premiums are guaranteed to never increase.

Ten or Twenty Years?

Standard Life’s term life insurance is available either as a 10 year plan or a 20 year plan. With term life insurance, you can choose to continue renewing your policy after it expires until the age of 85. You have the option of converting your term life insurance policy into a permanent one up until you reach the age of 65. If you lead a healthy lifestyle, you may find yourself rewarded through Standard Life’s Life Profiles Preferred Rates Program, in which people who rank higher on the health scale receive lower premiums.

Perspecta Universal Life

Standard Life’s universal life insurance is called Perspecta Universal Life. Universal life insurance provides traditional life insurance coverage along with an investment component. Standard Life provides several different investment options for you to choose from, such as daily interest accounts, term investment accounts, indexed accounts, managed accounts and strategic asset allocation accounts.

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