Finding the right life insurance solution can be a daunting task. Fortunately, we have the privilege to work with over 20 of Canada’s top insurers, and as such, we can easily compare rates and find the right fit for you.
Our team of experienced financial advisors will help you determine your needs and build the financial plan you and your family needs.
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Canadian seniors are offered a variety of options
No medical life insurance plans available
In most cases we have an idea as to what we would like to achieve with a life insurance plan. However, it can be difficult to know what plan is right for us. This table can help match your goals to the most suitable life insurance plan.
|Goal||Suitable Life Insurance Plan|
|Term Life Insurance|
|Whole Life Insurance|
|Universal Life Insurance|
|Term to 100 Life Insurance|
|Simplified Issue Life Insurance|
|Guaranteed Issue Life Insurance|
With so many different types of life insurance plans, it can be difficult at first glance to find the right plan for your needs. This simple table can serve as a quick comparison tool for most plans available on the Canadian market.
|Type of Insurance||Policy Length||Coverage Amounts||Additional Info|
Typically 10, 20, and 30 year terms. Plans available from 1 to 35 years.
$50,000 to $5 million
Rates are guaranteed for length of term. Renewable and convertible without a medical exam. Often the lowest cost plan.
For life. Payable for life, or paid-up in 10 or 20 years.
$5,000, up to $10 million
Level cost of insurance for payment period chosen. A cash value on this policy provides a source of income. Some policies allow you to invest with overpayments.
$5,000 up to $5 million. You may increase your coverage as you need.
Flexible cost of insurance that you can change month-to-month. Most plans offer a variety of tax-deferred savings or investment accounts that can build value over time.
|Term to 100|
For life. Policy is deemed “paid up” after age 100
$5,000, up to $10 million.
Often the lowest cost permanent plan. This plan does not have an investment component, and is ideal for low-risk financial planning.
$1,000 up to $100,000
No medical exam required to qualify, you only need to answer simple health questions. Rates are guaranteed for life.
Up to $25,000
No medical exam or health questions. Intended for hard-to-insure individuals. Often includes a two-year deferral period.
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No medical insurance plans
Products available for ages 0-85