T100
Insurance

What Is T100 &

How Does It Work?

Term 100 is a type of permanent life insurance that offers protection for as long as you live with guaranteed premiums payable until you turn 100. This is unlike other permanent life insurance policies where you’re covered for 20, 30, or more years where your premiums are likely to change afterwards. However, as with other permanent life insurance policies, your family will still receive a tax-free lump sum payout (referred to as the death benefit) when you die. 

Your beneficiaries can use the death benefit however they wish; to cover funeral expenses, unpaid debts (mortgage, car loan, college loan, etc.), or for their child’s education. Another benefit? Your premiums are completely locked in and will remain the same for the entire duration of the policy.

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Affordable T100

Life Insurance For As Long As You Live

Low rates make it possible to obtain a Term 100 life insurance policy, even at a young age or if you don’t have children yet. You can choose to pay set premiums until you’re 100 or pay for coverage for the first 20 years (known as the 20 Pay Option). By working with one of our brokers, we can shop around for the best rates and set you up with premiums that work best for you.

Shelter Bay Brokers Are Experts For

Your Life Insurance & Employee Benefits Packages

Welcome to Shelter Bay. We’re glad you’re here and confident that our life insurance and employee benefits brokers can be your catalyst to the right life and health insurance coverage or employee benefits program.

We have 11 trusted advisors on our team with a combined overall experience of 286 years. We strive to provide clients in BC, Ontario and Alberta with optimal life insurance coverage that suits their needs and their budgets. Many people believe that life insurance is costly and they’ll never be able to afford it, but that is far from the truth. There is a perfect life insurance policy for everyone and we can help find it.

Proudly Licensed In BC, Ontario & Alberta

As individual insurance brokers, we have access to a wide range of life insurance products from the most trusted lenders across Canada. When you contact us today, we can provide you with a free, no-obligation quote.

We Have Your Best Interests At Heart

We will shop around, negotiate, and walk through every process for you.

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