Calculateur de besoins en assurance

Utilisez cet outil pour aider votre client à établir le montant d’assurance dont il a besoin.

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Final expenses(to pay for funeral, taxes, etc. ($5,000–$20,000)$Final Expenses: A funeral can cost anywhere from $5,000 to $20,000 or more, depending on whether you plan for cremation or burial and how expensive your choices are (coffin, location, etc.). In addition, you should consider expenses such as probate fees, final income taxes, legal and accounting fees and executor fees, if any.x

Mortgage (to pay off the outstanding balance) $Mortgage: What is the outstanding balance of your mortgage? If in doubt, you might use the original principal amount as a conservative estimate or use an amount that you would like to pay off.x

Personal loans (to pay off loans, credit cards, etc.) $Personal Loans: Consider any bank loans, car loans, loans from credit unions or other financial institutions, credit card outstanding balances, loans from friends, etc.x

Emergency funds (3-6 months’ salary) $Emergency funds: Most experts recommend at least 3 to 6 months of salary as a reasonable amount for an emergency fund to cover unexpected expenses and tide your family over.x

Children’s education fund ($10,000-$25,000 per year, per child)$Children’s Education Fund: The amount you set aside for your children’s education depends on many factors including: • Are you considering private school or public school? If private school, consider tuition and room and board if appropriate • For post-secondary education, average costs range from $5,000 to over $25,000 per year • College is typically 2 to 3 years • University is typically 3 to 4 years plus graduate school • Average tuition is $6,838 (Stats Can 2018/19) • Books and supplies are typically $800 to $1,000 (Financial Consumer Agency of Canada 2018/19) • Additional compulsory fees such as athletics and student health services cost an average of $921 (Stats Can 2018/19) • Accommodation, food and transportation can cost $10,000 to $15,000 per year. x

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Smoking Habits
Within the last 12 months have you, a. used tobacco or nicotine in any form (excluding 12 cigars or less) or b. vaped or used an electronic cigarette in any form or c. used, more than 6 times per week, marijuana in any form (excluding cbd oil or edibles) [2]
 
 
[1] For Life Insurance, up to age 80 years can apply. Non-residents must have a valid work or study permit. For Critical Illness Insurance, up to age 65 years can apply. Non-residents must have a valid work permit.
[2] Our best rates may require 24 months of non-smoking.
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Plan Description

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Term Life Insurance

Permanent Life Insurance

Critical Illness Insurance

a
b
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The minimum premium amounts accepted are $15 a month or $150 a year. The minimum coverage is $25,000 on Quick Quote. If you require coverage below this amount, please contact us and a quote will be provided.

If the coverage amount exceeds the maximum coverage allowed, Quick Quote will show the premium at the maximum coverage amount.

Quotes are for our most competitive plan. Your actual premium will be based on the plan selected for which you qualify.
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