Everything from Term Life Insurance to Ratings in Canada
Be careful! Buying life insurance online is often not what it appears – you may be giving up important policy benefits.
20 year term life insurance quotes in Canada, when to use 20 year term, and when not to.
Understand the differences between term, whole life, and universal life. Plus when to use each one (and when not to).
Life insurance for children – practical reasons why you should consider insuring your children, and the best types of policies.
Not all term life insurance is the same! Learn how to compare policies and companies, because there’s more than just premium.
Looking to insure your whole family? Find out how, and the best types of coverage for Canadians.
Group life insurance pitfalls, and the hidden benefits your HR department won’t tell you about.
Looking for life insurance as a senior? Find out how much you should consider, and the best policies for your coverage.
Sometimes (rarely, but it happens) whole life insurance is the best coverage for your needs. Find out more here.
Families with kids, retirees/empty nesters, Dual Income/No Kids, see the best choices for these situations.
We show you how to properly determine the best type of life insurance - and it's likely not what you think.
What's better? Everyone says term life insurance, but is it that simple? Not always.
How much coverage and what's the best type of life insurance for single parents? Single parents often have different approaches to life insurance than other people.
Couples without financial dependents or young children, get the best type of life insurance coverage.
Life insurance coverage amounts are generally based on your income. But if you're not producing a defined income - but still contributing to the family's lifestyle, how do we determine the right amount of life insurance?
Life insurance provides level coverage through the years. But what if you need a lower amount of coverage in the future? Layering lets you get a declining amount of coverage through the years, at the lowest cost.
What if you have health considerations? Concerned about being declined? Often, with some knowledge we can provide coverage at strong rates, or low ratings.
Rating isn't a bad word. It simply means that you're in a higher risk class, and your premiums reflect that. Still, we want to minimize those higher premiums. Here's how to do that.
Getting divorced? What to do with your existing life insurance policy, and considerations for life insurance to cover any obligations in the future - for both parties.
Cancer alone doesn't mean a complete decline any longer. In fact, in many situations, Canadians who've had cancer can actually get coverage at regular premiums!
Have a young family? It's vital that you protect your income so that your family can continue in their current lifestyle in the event of your premature death.
"Term Insurance" is a mantra, but did you know that most Canadian consumers advocates don't just recommend term insurance - they specify that you should consider Renewable and Convertible term life insurance.
I have life insurance at work! Well, that's great but it's not at all the same as an individual policy. Find out why here.
Joint last to die insurance pays on the second death of two people and is important for family inheritance purposes (i.e. family cottages).
Insure two people that pays a death benefit only on the first policy. Seems like it should be cheaper, and therefore better? Turns out, not so much.
If you are a pilot, you know that not all flying is the same. Landing in a bush strip in northern alberta isn't the same as driving the air bus from Toronto to Vancouver thrice weekly. Find out the various considerations for your life insurance here.
Insuring two people on one policy, with only one death benefit, read about this unique type of coverage.
Find out what the considerations are, and how to keep your life insurance premiums as low as possible.
A few years ago the life insurance industry in Canada moved to mostly (but not always) allowing marijuana smokers to qualify at non-smoking premiums. See the considerations in this article.
Diabetes is no longer a decline in many cases. It can vary from anywhere between a decline to regular premiums - depending on your unique situation.
Have high blood pressure? If we took a reading right now, would your reading be fine? And if so, do you actually have high blood pressure? Or is your blood pressure fine but controlled with meds? HBP is likely not anywhere near as dire as you think when it comes to life insurance.
Not all term life insurance is the same - not even close. Some companies offer valuable free benefits, others don't. Different terms work better for some people than others.
Canadian consumer advocates almost universally advise consumers to get term life insurance instead of their bank mortgage life insurance.
Find out how to get the lowest premiums if you're in a high risk occupation (and why you may not actually be in a high risk occupation).
Compare and contrast the different types of life insurance.
In a corporate partnership? If your partner passes, bad news - their shares just passed to their spouse. Now you're in business with their spouse, who just wants their cash out. Buy-Sell Agreement life insurance fixes this problem.
The definition of term life insurance.
With so much life insurance information on line being US based info - and this not being disclosed, we talk just about Canadian life insurance policies.
Protect your business from the heavy financial costs if a key employee passes prematurely.
10 year term life insurance in Canada - what's it used for?
30 year term life insurance in Canada - a great product, but not well priced for everyone.
You've probably never heard of this option - it's free on some Canadian term policies, and not available at all on others, yet it can save you up to 40% on your initial term premiums.
Another option available for free on some term life insurance policies and not at all on others - letting you access your death benefits on a term policy while still alive.
Two people insured on one policy, with the death benefit paid out only after the second person passes.
Two people insured on one policy, with the death benefit paid out when the first of the two people pass.