{"id":31728,"date":"2025-10-24T15:10:03","date_gmt":"2025-10-24T19:10:03","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?p=31728"},"modified":"2026-02-03T15:33:23","modified_gmt":"2026-02-03T20:33:23","slug":"how-to-choose-best-whole-life-insurance-policy","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/how-to-choose-best-whole-life-insurance-policy","title":{"rendered":"How to Choose the Best Whole Life Insurance Policy"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">How to Choose the Best Whole Life Insurance Policy<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2025-10-24T15:10:03-04:00\">October 24, 2025<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">8 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Corrina Allen\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Corrina Allen<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Best-whole-life.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A family laughs together while having breakfast, now that they are protected with Life Insurance.\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Best-whole-life.webp 1074w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Best-whole-life.webp?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Best-whole-life.webp?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Best-whole-life.webp?resize=1024,683 1024w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Best-whole-life.webp?resize=412,275 412w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Choose the Best Whole Life Insurance Policy &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/how-to-choose-best-whole-life-insurance-policy\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/how-to-choose-best-whole-life-insurance-policy\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>If you\u2019re thinking about purchasing a <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/whole-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-31728-5a691cd4\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"whole life insurance plan\" class=\"rbc-link-format\">whole life insurance plan<\/a>, you probably already know that it\u2019s a type of coverage that comes with two advantages. Whole life policies offer protection and peace of mind for your lifetime and can work as a savings tool that helps you build wealth and plan for your future and the future of the people you love.<\/p>\n\n\n\n<p>Life insurance, however, isn\u2019t a one-size-fits-all product. How do you know if whole life insurance is the right product for you \u2014 and how do you choose the specific whole life insurance policy that\u2019s the best fit for your financial goals? There are several important factors to consider before making your decision.<\/p>\n\n\n\n<p>Here, we break down the typical features offered by whole life insurance plans, including how they differ from other types of insurance and how you can leverage your plan to grow your savings while looking after your family.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\"><a><\/a>Key takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Whole life insurance plans provide lifetime coverage, paying out a death benefit regardless of when you die.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Unlike term life insurance, whole life policies can feature a cash value component that offers the opportunity to build wealth that you can withdraw, borrow against, or reinvest.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Participating whole life insurance plans also have a professionally managed investment component that may earn dividends.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Alternatives to whole life insurance include term life insurance and universal life insurance.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-whole-life-insurance\"><a><\/a>What is whole life insurance?<\/h2>\n\n\n\n<p>A whole life insurance policy provides <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-permanent-life-insurance-and-how-does-it-work\/\" data-dig-id=\"LP-LifeInsurance-31728-5a691cd4\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"insurance coverage for your entire life\" class=\"rbc-link-format\">insurance coverage for your entire life<\/a>, as long as premiums are maintained. When you pass away, your policy pays a fixed amount called death benefit to your beneficiaries. These policies may also include a cash value component where a percentage of each of your premiums goes towards the cash value of your policy, earning interest at a fixed rate.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-whole-life-insurance-work\"><a><\/a>How does whole life insurance work?<\/h2>\n\n\n\n<p>There are several unique features that differentiate whole life insurance from other types of coverage. The biggest, and perhaps most important factor is that a whole life insurance policy protects you for your entire life, unlike term life insurance policies which offer coverage for a set term (usually ten, 15, or 20 years). When you die, your whole life insurance policy pays a guaranteed, tax-free death benefit to your selected beneficiaries, as long as premiums are maintained.<\/p>\n\n\n\n<p>With a whole life insurance policy, you\u2019ll have two options to grow your wealth: cash value or dividends, depending on the type of policy you choose.<\/p>\n\n\n\n<p>A cash value component acts as a tax-deferred savings account. Policyholders have access to these funds and can use them to supplement their <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/create-the-right-retirement-income-plan\/\" data-dig-id=\"LP-LifeInsurance-31728-5a691cd4\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"retirement income\" class=\"rbc-link-format\">retirement income<\/a>, fund home renovations, or take a dream vacation \u2013 it\u2019s up to you.<\/p>\n\n\n\n<p>With participating whole life insurance plans, part of your premium payments is pooled with other policy holders in a fund that is professionally managed and has the potential to produce earnings. These earnings are paid out in dividends when the fund produces growth or can be reinvested to pay off premiums or purchase additional insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-benefits-of-whole-life-insurance\"><a><\/a>What are the benefits of whole life insurance?<\/h2>\n\n\n\n<p>With a whole life insurance policy, you\u2019ll have access to additional features and benefits that other types of life insurance don\u2019t offer. These benefits include:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A savings component that grows over time at a guaranteed rate<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The ability to use your policy\u2019s cash value as collateral against a loan<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Access to that cash value and the freedom to use it for whatever you choose including premium payments, supplemental retirement income, or a bucket list vacation<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The potential to earn dividends on the invested portion of your policy if you choose a participating whole life insurance plan<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Premium payments that are set from the start of your plan and remain regular and consistent, allowing for easier financial planning<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A guaranteed death benefit that isn\u2019t subject to taxation<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Estate planning benefits that allow you to protect the wealth you\u2019ve worked hard for and pass it on to your loved ones<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-alternatives-to-whole-life-insurance\"><a><\/a>Alternatives to whole life insurance<\/h2>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/term-permanent-whole-and-universal-life-insurance-what-are-the-differences\/\" data-dig-id=\"LP-LifeInsurance-31728-5a691cd4\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Different types of life insurance coverage\" class=\"rbc-link-format\">Different types of life insurance coverage<\/a> are available to suit different needs and unique financial goals. If you\u2019re considering signing up for a life insurance plan, you might also want to consider:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-term-life-insurance\"><a><\/a>Term life insurance<\/h3>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-term-life-insurance-2\/\" data-dig-id=\"LP-LifeInsurance-31728-5a691cd4\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Term life insurance\" class=\"rbc-link-format\">Term life insurance<\/a> offers coverage for an entire lifetime while term life insurance covers you for a specific length of time, typically between 10 and 40 years, depending on the plan you select. You may not need a medical exam to qualify, and the premiums are typically lower because there are no savings or investment components.<\/p>\n\n\n\n<p>Read more:&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/term-life-vs-permanent-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-31728-5fb880b5\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Term vs permanent life insurance\" class=\"rbc-link-format\">Term vs permanent life insurance<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-universal-life-insurance\"><a><\/a>Universal life insurance<\/h3>\n\n\n\n<p>The differences between whole life insurance and universal life insurance are in the details. Both offer lifelong coverage, a death benefit payout, and a cash value component. However, with <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/universal-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-31728-5a691cd4\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"universal life insurance\" class=\"rbc-link-format\">universal life insurance<\/a>, policyholders have the potential to grow their death benefit and take a greater role in managing the investment components of their policy.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-consider-when-choosing-a-whole-life-policy\"><a><\/a>What to consider when choosing a whole life policy<\/h2>\n\n\n\n<p>To understand whether a whole life insurance policy is the right kind of coverage for you and your family, consider these key factors:<\/p>\n\n\n\n<p><strong>Your coverage needs<\/strong>: Think carefully about the kind of coverage you need, how long you might need it for (based on your current age), and the financial goals you have for yourself and your loved ones.&nbsp;<\/p>\n\n\n\n<p><strong>Your premium affordability<\/strong>: With a whole life policy your premiums are fixed which makes for simplified budgeting; however, you need to be sure that you will be able to afford the premium payments both now and in the future.<\/p>\n\n\n\n<p><strong>Your policy as a savings and investment tool:<\/strong> If you\u2019re planning to use your policy to grow your savings and act as an investment tool, evaluate it carefully to ensure that it aligns with your financial goals. It\u2019s also important to understand the different ways in which the cash value component of your plan can be leveraged for loans or withdrawals.<\/p>\n\n\n\n<p><strong>The policy\u2019s exclusions:<\/strong> Be sure to take careful note of what is and isn\u2019t covered by your policy. In what kinds of situations might you encounter an exclusion?<\/p>\n\n\n\n<p><strong>The reputation of your policy provider:<\/strong> Choosing the right life insurance policy is a decision made easier with guidance from an accredited insurance broker and a trustworthy insurance provider.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-common-mistakes-to-avoid-with-whole-life-insurance\"><a><\/a>Common mistakes to avoid with whole life insurance<\/h3>\n\n\n\n<p>To select the ideal whole life insurance policy, it\u2019s important to keep in mind the common errors people often make when deciding on a plan.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Don\u2019t underestimate your coverage needs. People may need more coverage than they think they do. Consider the number of people who rely on you, the amount of debt you have, and your current income. Use our&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/how-much-life-insurance-do-i-need\/\" data-dig-id=\"LP-LifeInsurance-31728-e2f34c88\" data-dig-label=\"life insurance calculator\" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\">life insurance calculator<\/a>&nbsp;in order to get an initial estimate.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Don\u2019t sign on to a plan with premiums that are beyond your current or future budget. Failing to make premium payments can put your coverage and death benefit at risk.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Always read the fine print and consult an accredited insurance advisor if you still have questions or don\u2019t understand something you read.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-grow-your-wealth-and-protect-your-family-with-whole-life-insurance\"><a><\/a>Grow your wealth and protect your family with whole life insurance<\/h2>\n\n\n\n<p>Whole life insurance is an insurance product that provides lifelong coverage for you and your loved ones. You\u2019re protected when you die, no matter when or at what age. Your beneficiaries receive a death benefit payout that helps support them financially after you\u2019re gone.<\/p>\n\n\n\n<p>Additionally, whole life plans include components that serve to grow your savings and offers the ability to earn dividends that can be reinvested or used to supplement your income. Should an unexpected expense come up, your cash value component may be eligible for withdrawal or used as collateral against a loan. It\u2019s protection with built-in flexibility and financial opportunity.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-about-the-best-whole-life-insurance-policies-in-canada\"><a><\/a>FAQs about the best whole life insurance policies in Canada<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-is-whole-life-insurance-a-good-investment\">Is whole life insurance a good investment?<\/h3>\n\n\n\n<p>Whole life insurance provides lifelong coverage while also featuring tools for savings and investment. The cash value component of your policy offers guaranteed growth that does not depend on market performance. Participating whole life insurance policies also have the potential to earn dividends based on the performance of the professionally managed investment component.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-who-should-get-whole-life-insurance\">Who should get whole life insurance?<\/h3>\n\n\n\n<p>Whole life insurance is ideal for people who want the peace of mind that comes with knowing their loved ones and dependents will be provided for financially in the future. It can also act to bolster estate planning, protecting the assets you\u2019ve worked hard for and want to pass on to your family. <strong><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-can-i-cash-out-my-whole-life-policy\">Can I cash out my whole life policy?<\/h3>\n\n\n\n<p>Yes. If you decide to do this, your policy provider should be able to provide the cash surrender value of your plan. When you die, however, your beneficiaries will no longer receive the death benefit payout. It\u2019s important to know, there may also be tax penalties related to the cash surrender value. <strong><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-does-whole-life-insurance-pay-dividends\">Does whole life insurance pay dividends?<\/h3>\n\n\n\n<p>Participating whole life insurance features a professionally managed investment component that offers the potential to earn dividends based on market performance. <\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-life-insurance\">RBC Life Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Protect Your Loved Ones With Dependable Life Insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-283-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/silver.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-10384-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Understanding how whole life insurance works can help you select the policy that best serves your financial goals and supports the plans you have for your family\u2019s future.<\/p>\n","protected":false},"author":208,"featured_media":31731,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[4],"article-type":[80],"ppma_author":[169],"class_list":["post-31728","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-life-insurance","article-type-advice-learning"],"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>How to Choose the Best Whole Life Insurance Policy | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Understanding how whole life insurance works can help you select the policy that best serves your financial goals and supports the plans you have for your family\u2019s future.\" \/>\n<meta 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