We help Canadians to understand their life insurance needs, and also helps people to purchase the policy that exactly meets their requirements as quickly and easily as possible, at the best possible rate. There are 3 main types of life insurance. Term Life, Whole Life, and Universal Life. Each policy has is own distinct advantages. We will help you to determine the best type and amount for you.
- Provides security for your family in case of loss
- Mortgage Insurance (that is better than what the banks offer)
- Helps with estate planning and wealth management;
- Assists with your retirement savings plans;
- Can Be used for home mortgage protection.
- Estate Preservation
- Corporate Buy-Sell Coverage
- Key-Man Insurance
- RCA Arrangements
- Peace of Mind
Permanent life insurance is unlike term life insurance in that it is permanent, for as long as premiums are paid. There are several types of permanent insurance, however, they can include the following:
- a cash value
- a death benefit
- life time coverage,
- premium offset or suspended premium options
- can be used for wealth management and estate planning, etc.
- a death benefit that may be variable
- many more options than term insurance
- investment options with TAX DEFFERED GROWTH available
Term Life Insurance
- 10/20/30, even up to 40 year term policies available!
- lower cost compared to permanent plans
- guaranteed convertible and renewable even if your health changes
- good for short term needs such as:
- mortgage protection
- dependants
- loans, lines of credit etc...
Whole and Universal Life Insurance (Permanent)
A Life Insurance Policy