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LIFE INSURANCE
| Don’t be confused by life insurance. There are only 2 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 term of usually 5, 10, or 20 years. Generally, term insurance premiums are lower. |
Term Life Insurance
| Term insurance is the least expensive form of life insurance. Term insurance provides protection during 5, 10, or 20 years or to age 65 or 75. In addition, this coverage may be renewed for further terms and most allow you to convert to a permanent life insurance plan. We offer benefits of up to $5,000,000, or up to $250,000 for plans that do not require medical exams. |
Permanent 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 $50,000 for plans that do not require medical exams. |
Whether you choose term or permanent insurance, advantages include:
Every policy has a 10-day money-back guarantee
Every policy has a 30-day grace period for late premium payments
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. Our prices are among the lowest in Canada |
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