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Life Insurance

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Don't be confused by life insurance. There are only two basic types of policies: permanent (whole life) and term (temporary). Simply put, permanent coverage remains in affect for the lifetime of the insured, while term coverage expires after a set number of years (e.g., 10 or 20 years) or to a certain age (e.g., to age 75 or 85 or 100). Generally, term insurance premiums are lower.


Term Life Insurance

Term Insurance is the least expensive form of life insurance. Term Insurance can provide protection up to age 80 or even age 100. In addition, most types of Term insurance allow you to convert to a permanent life insurance plan. We offer benefits of up to $5,000,000, or up to $200,000 for plans that do not require medical exams. (...more)

Whole Life Insurance

Permanent Insurance covers you for your lifetime. The premiums can be paid for 20 years, to age 65, or for life. We offer benefits of up to $5,000,000, or up to $100,000 for plans that do not require medical exams. (...more)

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Whether you choose Term or Whole Life Insurance, the advantages of our Life Insurance include:

  • Every policy has a 10-day money-back guarantee.
  • Every policy has a 30-day grace period for late premium payments.
  • Our prices are among the lowest in Canada.
  • All benefits are considered non-taxable
    income in Canada.
  • Some policies provide free of charge Best
    Doctor Service, which locates the best
    medical care in the world.
  • Some policies have no medical requirement
    other than answering some simple 'yes' or 'no' health questions.
  • Some policies give you up to 25% of your
    benefit while you are still living if you are diagnosed with a terminal illness.

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