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Life Insurance

Life Insurance

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 three main types of life insurance. Term Life Insurance, Whole Life Insurance, and Universal Life Insurance. Each policy has its own distinct advantages. We will help you to determine the best type and amount for you.

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A Life Insurance Policy

  • Provides security for your family in case of loss
  • Mortgage insurance (better than what the banks offer)
  • Helps with estate planning and wealth management
  • Assists with your retirement and savings plans
  • Can be used for home mortgage protection
  • Helps with estate preservation
  • Corporate buy-sell coverage
  • Key-man insurance
  • RCA arrangements
  • Gives you peace of mind

Term Life Insurance

  • We have 10, 20, 30 & 40 year term policies available
  • Lower cost compared to permanent plans
  • Guaranteed to be convertible and renewable even if your health changes
  • Good for short term needs such as:
    • Mortgage protection
    • Dependants
    • Loans, lines of credit etc.

Permanent Life Insurance (Whole & Universal)

Permanent Life Insurance is unlike Term Life Insurance as 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 (may be variable)
      • Lifetime coverage,
      • Premium offset or suspended premium options
      • Can be used for wealth management and estate planning etc.
      • Many more options than term insurance
      • Investment options with tax deferred growth available

Carriers We Work With

  • Largest Mutual Company in Canada – policy owners are the shareholders!
  • Term, Permanent and Limited Pay plans available
  • Highly Competitive Rates
 
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  • Combination Term Plans – same coverage, lower premiums
  • Whole Life and Universal Life Plans Available
 
  • Guaranteed Acceptance – No Medicals
  • 4x benefit amount if accidental death
  • Available to anyone aged 30+
  • Term and Permanent policies available
  • Competitive Rates
 
  • Term 30 plans available – great for Mortgage Insurance coverage
  • Whole Life and Universal Life available too.
 
  • Simple approval process
  • No medical or doctor reports required
  • Great for those previously declined life insurance
  • Term and Permanent policies available
  • Competitive Rates
  • Term and Permanent policies available
  • Competitive Rates
  • Simple approval process
  • Term and Permanent policies available
  • Competitive Rates
 
  • Term and Permanent policies available
  • Competitive Rates
 

Get your custom benefits quote today!

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Custom Benefits Designed for You!

The days when every working person had an employer-sponsored health and benefits plan have become a distant memory. This is where we can help! Specialized Benefits has over 45 years of experience helping families protect what they cherish most.

Contact

Randy Unrau, Senior Advisor
Rhett Bagnall, Senior Advisor

Phone: 780-416-2057
Toll Free: 1-866-444-2057
Email : info@specializedbenefits.com

#15, 2016 Sherwood Drive
Sherwood Park, AB
T8A-3X3