Your challenge

You want to strike a balance between protecting your wealth, supplementing your savings, and diversifying your investment portfolio. Thinking long term, you also want to guarantee that your family or loved ones will receive the full value of your assets when you’re no longer around.

The challenge is increasing the value of your portfolio in a low-interest-rate environment, while limiting your exposure to risk from economic downturns.

What you need is secure and long-term growth potential, with cash value accessibility.


Our solution

Whole Life > Ascend™ offers a unique type of life insurance with long-term growth potential. You can enjoy compounding dividends that build cash value, with limited exposure to market volatility.

Think of Whole Life > Ascend™ as an asset class that allows savvy investors like you to diversify your savings and balance the risk of other investments. It gives you the protection, growth and diversification you need.


How it works

  1. You purchase a Whole Life > Ascend™ policy for an amount that meets your insurance needs, with the Additional Deposit Option (ADO) selected.
  2. Rather than investing non-registered savings into GICs or low-interest-paying investments, you contribute funds towards your policy to accelerate cash value growth.
  3. Dividends credited to your policy continue to increase your cash value and death benefit.**


 Average ReturnStandard Deviation
Co-operators Life Insurance Company
dividend scale interest rate
5.3% 5.8% 6.6% 1.0%
S&P/TSX Composite Total Return Index1 8.1% 5.3% 7.7% 20.2%
5-year GICs2 1.6% 2.0% 2.9% 1.2%
Government of Canada 5–10 year bonds2 1.6% 2.3% 3.6% 1.3%
Consumer price index (inflation rate)2 1.8% 1.8% 1.8% 0.5%
1. Source: Financial Times (
2. Source: Bank of Canada (



  1. Long-term and stable growth potential.
  2. Larger estate due to life insurance death benefit.
  3. Lower risk during market volatility.
  4. Significant cash value accumulation.

**Dividends are not guaranteed. Actual dividends paid out depend on the performance of the participating account.
20-Year Standard deviation measures how much your investment returns may vary from the average; low standard deviation means less volatility. This concept is based on current interpretations of Canada Revenue Agency laws and regulations. Future changes to these rules, or interpretations thereof, could impact the tax-effectiveness of the concept.