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To get reliable life insurance advice and a competitive quote involves more than just asking a couple of questions. Sure, we're happy to give you a survey of rates from all companies but the real value in working with us is knowing which companies are the best for each unique situation. Not all life insurance policies or companies are the same, some are better (and worse) depending on the situation. Our advisors take great pride in the accuracy of their advice which really means making sure the policy you get is for the coverage you really need. This means ensuring you’re not paying too much or getting too little. That’s why we’re here… you will get the best quote available in the Canadian Insurance market from a licensed professional ready to answer your questions and guide you through the process. We'll help you at your pace and make the experience comfortable and easy.
Life Insurance in Canada
Canadian Life Insurance Information and Quotes
Quick, easy, affordable life insurance in Toronto is ideal for those who are looking to protect what they have, while they work towards retirement. Financial solutions to ensure you are protected at an affordable rate, means you can use the extra money in your budget for investments. With regard to quick easy, affordable life insurance[…]
Any financial advisor or insurance expert will tell you that you should never allow an insurance policy to lapse without speaking to a life insurance professional first. This is especially true when it comes to converting a term policy to a permanent life policy. This is such an important rule because there is hidden value[…]
Although the thought of your parents passing away is probably something you don’t want to think about, life insurance for your parents is something you should consider. Moreover, the time to do it is when they’re fairly healthy. Many children don’t look into life insurance for their parents and it doesn’t become a reality until[…]
It’s common knowledge that with traditional life insurance policies if you smoke, your insurance premiums are higher. However, does this apply with no medical life insurance for smokers? To answer that question, we’ll take a more in-depth look into what no medical insurance is, and how the process works. What is No Medical Life Insurance?[…]
There are two ways to get life insurance – through an agent, or through a broker. Although these terms are used interchangeably, there is a difference and the main way to tell them apart is whom they work for: a life insurance company (agent), or independently (broker). Life Insurance Agent: Agents work for one life[…]
If you’re a high-income earner, such as a lawyer, you will need a higher level of income protection than other occupations. Thus, you should research and find the best type of policy for your situation. Below we are going to look at some of your options, specifically, disability insurance for lawyers. Insurance companies offer benefits[…]
Life insurance product choices are vast and complicated. There’s term life insurance, whole life insurance, universal life insurance, and no medical life insurance. So what are the top 5 reasons no medical life insurance make sense over the others? When No Medical Life Insurance Makes Sense Below are some common reasons for when no medical[…]
As a member of the Canadian Armed forces, the government has a supplementary death benefit plan. However, you have to ask yourself if it’s sufficient enough for you to count on to take care of your dependents if something happens to you. Most insurance and financial advisors will tell you that the National Defence and[…]
If you’re looking to buy life insurance but you don’t know if you qualify, this blog is for you. Many people aren’t sure what high risk is when it comes to insurance policies; and although the definition of risk differs among life insurance companies, there are common situations that they generally all look at as[…]
There are many different types of life insurance products available to Pemberton, BC residents. Although you’re a few hours away from a major center such as Vancouver, you have the ability to apply for and purchase life insurance online or even over the phone. To help you understand your options better, we’ll look at the[…]
Life insurance and Multiple Sclerosis, how is this disease viewed by life insurance companies? The answer to this question is what we’re going to look at below. A Life Insurance Medical Examination When you apply for traditional (underwritten) life insurance, you have to undergo a medical examination. During the exam, you will be asked a[…]
One of the first things people ask when they hear about life insurance is “how much will life insurance cost me?” With the next question, being “how much life insurance do I need?” There is no easy answer to these questions because there are numerous types of life insurance products available, and each individual has[…]
The answer to the question: “I have a criminal record; can I still get life insurance,” is not cut and dry, but the simple answer is “probably”. It’s complicated because it depends on a few issues such as the insurance company, the nature of your conviction, and how long ago your conviction was. However, these[…]
For most Canadian families, term life insurance offers sufficient protection at an affordable rate; and it expires when they no longer need it. However, many people still wonder if they should convert their term policy. In a word, YES. Everyone should have at least a minimum amount of permanent life insurance. Most term policies offer[…]
The insurance industry is always changing to keep up with lifestyle changes and technology; they continually perform research and adjust accordingly. BMO Insurance has recently made changes to their rules, and effective immediately, will consider occasional marijuana smokers at non-smoker rates. Research and Infrequent Marijuana Usage As research by insurance company’s increases, the life insurance[…]
Entrepreneurs and business owners are in dire need of life insurance, even if they don’t know it. You’re probably aware that at any time, you could get a financial blow severe enough that your business may not recover, it could be the loss of a partner or key employee – How will you manage that[…]
Permanent life insurance is a fascinating financial tool, but it is also puzzling; this is why people have a love/hate relationship with it. Individuals, who love it, totally love it; those who hate it want to get rid of it, and those in the middle can’t figure out what the big deal is. However, it[…]
As a medical student at the University of British Columbia, you’re automatically enrolled into a health and dental insurance plan, but what about disability insurance? Have you given any thought to how you’re going to deal with facing a disability due to injury or illness? Thankfully, illness and injuries for university students aren’t common, but[…]
You may or may not have heard about the accelerated underwriting process from Manulife Financial, which was introduced recently, but it’s good news for Canadians who are between 18 and 40 years old. First we’ll look at what underwriting means so you can gain a better understanding of the benefits of accelerated underwriting. What it[…]
Disability Insurance for medical doctors and students provides a regular monthly income if you’re sick or injured and not able to work and go to work or school, just as it does for other occupations. You’ve invested a lot of time, energy and money into your education & career, in many cases you’ll have a[…]