Whole life insurance policies required a fixed annual premium that remains the same for the duration of the required payment period. Some whole life products are paid up after 20 years.

The whole life insurance in this analysis requires that the annual premiums shown be paid each year that the policy remains in effect. This type of whole life insurance is sometimes called guaranteed whole life or term-to-100 life insurance.

Rates from this analysis are from the Canadian Term4Sale website which offers free quote comparisons. The lowest annual premium for a $100,000 whole life insurance policy is $294.50 (all dollar figures in Canadian currency) for a female age 17 years.

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