Term Life Insurance is the most affordable way to by life insurance and commonly used to manage short term risk such as a mortgage or a young family.
A Term Insurance policy is always a better solution than mortgage insurance from a bank or lender – and often costs less.
Term coverage is affordable & flexible and can be used for single and multiple life protection and is available with various options for a personalized solution.
We work for you and not any individual insurance company – we’re independent brokers.
Count on us to create a custom plan for your individual needs and budget, which could include Term Life Insurance only or a combination of life and health protection.
The Term length is the period of time the insurance company will guarantee the premiums will change. A Term 10, would be a guarantee for 10 years and is the very least expensive way to get insurance. The downside is that you may need your life insurance for more than 10 years.
Choosing a term does not mean you are ‘locked’ in to paying the premiums for a certain number of years but it does give you peace of mind knowing your rates will not change unexpectedly during your term.
Choose from these term options:
- Term 10
- Term 20
- Term 25
- Term 30
- Term 35
- Term 100 or Term Life
- Single, Joint or Multi-Life coverage.
- Optional Riders to enhance your protection.
Some things to consider or ask you advisor when choosing a term:
- How long you will need the Term Life coverage?
- Is the premium affordable and sustainable?
- Does the insurance carrier offer fair medical underwriting?
- Are there quality conversion privileges in the future?
As brokers, we survey the entire Canadian Term Life Insurance market for you –
You’ll be able to see the pricing and contact us to get your application started. We can plan a phone call and use a screen share to get your application going… its so easy.
Contact us for a quick informational chat about your needs – 647.389.5105