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Life Insurance is an important decision to make when planning for the future of your loved ones. More importantly is understanding the insurance market of Canada, life insurance options, and obtaining the most accurate and up to date life insurance quotes from trusted leaders in the industry. We can help inform you of your life insurance options, obtain the best life insurance quotes in Canada, and determine what policy will be best for your economic situation, family status, age, and health.
There are two main types of life insurance: term life insurance and permanent life insurance.
Term life insurance is life insurance that provides coverage in agreed periods of time, usually in 10 or 20 year terms. Premiums are often guaranteed for the duration of the term, with cost being relevant to age, health status, and level of coverage desired. Many plans may be renewed up to the age of 75, and some plans may provide coverage up to the age of 100.
Permanent life insurance offers life-long coverage while also at times offering an investment opportunity. Permanent life insurance generally requires higher premiums than term insurance, but your rates are guaranteed to never increase. Permanent life insurance is an excellent option for wealth accumulation, estate settlement, and long term family planning.
Joint life insurance is a type of life insurance policy that is held jointly between two people, often spouses. The advantage of joint life insurance is that it allows for flexible accomodation of needs while remaining an affordable type of coverage.
We specialize in life insurance for individuals over the age of 50, with plans offering eligibility up to age 85. Our relationship with leading Canadian insurers provides access to a wide range of no medical insurance policies including Guaranteed Issue. With easy undewriting you can be covered in a matter of days. Apply for a quote and discover your options.