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Meritiwealth Inc. (Canada) and Meritiwealth Limited (Hong Kong), are independent insurance advisory firms who offer a wide range of life and health insurance and wealth management products for individuals, families, and business owners. We want our clients to achieve the peace of mind that comes with a lifetime of financial security.

Term Life Insurance;

Term life insurance is well-suited to meet high, short-term protection needs for the lowest initial cost. Term life insurance coverage can do a good job of meeting immediate needs and may provide the opportunity to later move or convert to permanent life insurance without providing proof of health. Term plans may also be renewable after 10 or 20 years without providing proof of health. The price increases as appropriate for your age at renewal. You can purchase term life insurance as an initial step before purchasing permanent life insurance.

Participating Life Insurance;

Participating life insurance can combine permanent life insurance protection with a tax-advantaged savings component. It can provide insurance protection for life, provided premiums are paid when due. Participating life insurance is flexible permanent life insurance with a core of guarantees for basic coverage—premium, death benefit and cash surrender values, and provides the potential for earning policyholder dividends that can be used to purchase additional life insurance or reduce your out-of-pocket premiums (policyholder dividends aren't guaranteed).

Universal Life Insurance;

Universal life insurance provides permanent life insurance protection with a tax-advantaged investment component. As cash values accumulate, they can be used to pay part or all of the cost of your insurance. In addition to providing security and protection through its life insurance component, universal life insurance can provide an additional source of income for emergencies, retirement or for estate planning needs. You select an investment mix that's best for you—taking into account the amount of risk you're comfortable with, and your financial goals and circumstances.