Life Insurance Learning Center

An Immediate Financing Arrangement (IFA) in Canada uses your permanent life insurance cash value as loan collateral, giving fast access to funds while maintaining coverage. Leading lenders for IFA include Equitable, DUCA, and Manulife, each offering different borrowing limits, interest rates, and terms to fit your needs and goals.

Manulife’s whole life insurance provides lifelong protection, guaranteed premiums, and steady cash value growth through dividends. In this 2026 review, learn how Manulife Par and Manulife Par with Vitality Plus™ compare, what dividends they pay, and more.

Equitable whole life insurance offers lifelong coverage, guaranteed cash value growth, and customizable options like flexible payment plans and riders. With variants tailored for legacy planning or wealth accumulation, it provides tax benefits and financial security. Explore how Equitable’s whole life plans support your long-term goals and peace of mind.

Discover Canada’s 15 best whole life insurance companies. Review dividend performance, cash value growth, and our “best for” recommendations. Our expert research and experience help you find the right provider for your family’s needs.

A limited‑pay whole life policy compresses premiums into a fixed number of years while you keep lifetime coverage.
This guide focuses on 5-pay, 10-pay, and 20-pay whole life insurance plans that let you complete premium payments early while maintaining lifelong benefits.