{"id":21771,"date":"2024-12-16T09:06:46","date_gmt":"2024-12-16T14:06:46","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?page_id=21771"},"modified":"2025-07-31T09:57:12","modified_gmt":"2025-07-31T13:57:12","slug":"reasons-to-get-life-insurance","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/reasons-to-get-life-insurance\/","title":{"rendered":"4 Reasons To Get Life Insurance At Any Age"},"content":{"rendered":"\n<p class=\"mar-t-hlf mob-mar-t-hlf mar-b-0 mob-mar-b-0 mob-pad-t-qtr pad-b-0 has-text-xs-font-size\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout5 mar-t-0 mob-mar-t-0\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group flex-2\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h1 class=\"wp-block-heading mar-b-hlf mob-mar-b-hlf mar-t-0 mob-mar-t-0\" id=\"h-four-reasons-to-get-life-insurance-at-any-age\">Four reasons to get life insurance at any age<\/h1>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Choosing your favourite hockey team. Figuring out what to have for dinner. Resisting the urge to hit snooze one more time. Some decisions are hard but making the call to get life insurance doesn\u2019t have to be one of them. See why life insurance is important\u2014whether you\u2019re 25 or 65:<\/p>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\"><strong>Tip:<\/strong> Check out <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/what-is-life-insurance\/\" data-dig-id=\"LP-21771-2613aa32\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"What is Life Insurance?\" class=\"rbc-link-format\">What is Life Insurance?<\/a> and <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/types-of-life-insurance\/\" data-dig-id=\"LP-21771-76edccdf\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"The Types of Life Insurance Explained\" class=\"rbc-link-format\">The Types of Life Insurance Explained<\/a> if you want a refresher on how it all works.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group flex-1\/3 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#F7F8FA\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading mar-l-hlf mob-mar-l-hlf mar-b-hlf mob-mar-b-hlf\" id=\"h-related-articles\">Related articles<\/h4>\n<\/div>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc mar-l-hlf mob-mar-l-hlf\">\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/what-is-life-insurance\/\" data-dig-id=\"LP-21771-d9f2ee59\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"What is life insurance?\" class=\"rbc-link-format\">What is life insurance?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/how-does-life-insurance-work\/\" data-dig-id=\"LP-21771-4c2fc163\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"How does life insurance work?\" class=\"rbc-link-format\">How does life insurance work?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/how-much-life-insurance-do-i-need\/\" data-dig-id=\"LP-21771-6be1a5f6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"How much life insurance coverage do I need?\" class=\"rbc-link-format\">How much life insurance coverage do I need?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/types-of-life-insurance\/\" data-dig-id=\"LP-21771-1cf76cae\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"The types of life insurance explained\" class=\"rbc-link-format\">The types of life insurance explained<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout3\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-why-you-need-life-insurance-at-any-age\"><span class=\"partial__border-bottom\">Why you need life insurance at any age<\/span><\/h2>\n\n\n\n<p class=\"p-large\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Family-Protection.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-to-protect-your-family-financially\">To protect your family financially<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">You work hard to take care of your family. Life insurance lets you keep doing just that, even if you pass away. A good time to start looking into life insurance is when you\u2019re starting a family, buying a home or taking on another sizable debt that you want your partner to be able to afford no matter what. But any age is a good time to start thinking about the future.<\/p>\n\n\n\n<p>Both term and permanent life insurance can help provide protection and relief to your loved ones when they\u2019re missing you the most. Having life insurance coverage means your spouse, child or other beneficiaries will have financial resources they can use towards the cost of childcare, bills or funeral costs.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Save.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-to-save-for-the-future\">To save for the future<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/universal-life-insurance\/\" data-dig-id=\"LP-21771-aa86ce9b\" data-dig-label=\"Universal life\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Universal life<\/a> and <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/whole-life-insurance\/\" data-dig-id=\"LP-21771-70ba0cda\" data-dig-label=\"whole life insurance\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">whole life insurance<\/a> can also be a tax-smart way to save and invest for your own future. As needed throughout your lifetime, you can use the cash\/accumulation value you\u2019ve built up within your policy as a financial safety net in case you ever need the funds or to supplement your income in retirement.<\/p>\n\n\n\n<p>You can also use it to cross things off your bucket list. Whether you want to go on a luxurious trip to celebrate your retirement or start the business you\u2019ve always dreamed of owning, the cash value from your policy could help.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/09\/loan-protection.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-to-pay-for-your-child-s-college-or-university-education\">To pay for your child&#8217;s college or university education<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Let\u2019s face it\u2014getting a quality education isn\u2019t cheap. Another way you can make the most of the cash value in a <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/universal-life-insurance\/\" data-dig-id=\"LP-21771-dcddbe73\" data-dig-label=\"universal life insurance\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">universal life insurance<\/a> policy is to help pay for your child\u2019s education. Here\u2019s a quick example of how it might work:<\/p>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">You purchase a policy on the life of your child and contribute to it until they turn 18 (or 19 in some provinces). Then you can transfer policy ownership to your child.<\/p>\n\n\n\n<p>With the right planning and market conditions, there could be enough invested in your policy to continue paying the premiums so that your child doesn\u2019t have to worry about paying them. Beyond that, your child can even use the money in the investment portion of the policy to help pay for his or her educational costs. One thing to keep in mind is that growth isn\u2019t necessarily guaranteed since it\u2019s based on the performance of your particular investments.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard  has-icon\" style=\"--icon-url:url(https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Exchange-2.svg);background-color:#F7F8FA\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-to-protect-and-pass-on-your-assets\">To protect and pass on your assets<\/h4>\n<\/div>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">If you\u2019re looking for a tax-smart way to leave your assets to your family, permanent life insurance might be the way to go. Though <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/term-life-insurance\/\" data-dig-id=\"LP-21771-1b2ce210\" data-dig-label=\"term life insurance\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">term life insurance<\/a> is the most popular choice for Canadians, permanent life insurance has its own unique perks. Some plans even guarantee your acceptance.<\/p>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">If you research the premiums on a <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/whole-life-insurance\/\" data-dig-id=\"LP-21771-a70cab30\" data-dig-label=\"whole life\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">whole life<\/a> or <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/universal-life-insurance\/\" data-dig-id=\"LP-21771-5db757f4\" data-dig-label=\"universal life insurance\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">universal life insurance<\/a> policy, you might notice they\u2019re a little higher than if you opted for term life insurance. That\u2019s partially because some of your hard-earned money goes into an account where it has the opportunity to grow without being taxed. That growth is only taxed if you access it while you\u2019re still alive. It remains tax-free if it\u2019s paid out as a death benefit to your loved ones.<\/p>\n\n\n\n<p class=\"mar-b-hlf mob-mar-b-hlf\">Permanent coverage can help you plan ahead for future costs by:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-blue-disc\">\n<li>Providing your family members with the money they\u2019ll need to pay the taxes on whatever assets you want to leave them (like the family cottage).<\/li>\n\n\n\n<li>Preventing your family from having to dip into investments or sell off assets (like your home, business or stocks) if they can\u2019t afford to pay the taxes on them.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout1\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-life-insurance-explained\">Life insurance explained<\/h4>\n<\/div>\n\n\n\n<p>Gain some useful insights on the basics of life insurance to help you make an informed decisions when you&#8217;re ready.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/what-is-life-insurance\/\" data-dig-id=\"LP-21771-ecf3097c\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Read more-https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/what-is-life-insurance\/ \">Read more<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/check-illustration-200x200-1.svg?quality=80&amp;w=1024\" alt=\"illustration of a list\" class=\"wp-image-18504\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard\" style=\"--icon-url:url(undefined);background-color:#EDF7FC\">\n<div class=\"wp-block-group informationCard__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group informationCard__icon-group is-layout-flow wp-block-group-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"h-calculate-how-much-life-insurance-you-need\">Calculate how much life insurance you need<\/h4>\n<\/div>\n\n\n\n<p>Start planning for the future by understanding how much coverage could support your goals.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-secondary secondary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html\" data-dig-id=\"LP-21771-dbcc4f29\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Calculate now-https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html \">Calculate now<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/calculator-illustration-200x200-1.svg?quality=80&amp;w=1024\" alt=\"illustration of a calculator\" class=\"wp-image-18500\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-still-have-a-few-questions\">Still have a few questions?<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Connect with a life insurance advisor or get a quick life insurance quote now.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-21771-7b6e90d8\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/silver.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-21771-9da6e603\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Need help now? <a href=\"tel:+18662237113\" data-dig-id=\"LP-21771-ad67c22b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Call 1-800-461-1413\" class=\"rbc-link-format\">Call 1-866-223-7113<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp?quality=80&amp;w=606\" alt=\"A father and son protected by life insurance\" class=\"wp-image-18133\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp 606w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp?resize=300,284 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp?resize=412,390 412w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":196,"featured_media":0,"parent":13770,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-21771","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>4 Reasons To Get Life Insurance At Any Age | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Some decisions are hard but making the call to get life insurance doesn\u2019t have to be one of them. 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