Whole Life Insurance

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Disability Insurance

Disability Insurance, also known as Disability Income Insurance insures a person’s income against a risk of disability which can inhibit the person to earn the usual livelihood. Disability insurance provides you a financial support if you are disabled and unable to work and make a regular income. One of ten people in Canada gets injured before the age of 65 for more than 90 days. The possibility that one can get disabled is usually ignored but cannot be avoided in a long run. Having a disability insurance lets you enjoy your assets without risking them if disabled at a later stage. This is also known as Disability Income Insurance.

What is Total Disability Insurance

Total Disability Insurance is designed to take off the financial pressure in case of a sickness or accidental injuries. The lump sum amount is paid by the Insurance Company to pay off debts or medical expenses. The Definition of Total and Permanent Disability varies with the Insurance product you buy. You have a choice to choice either insurance against being able to work in your “Own Occupation and not being able to work in “Any Occupation”

from $29.00
Level of Protection Level of Protection
Grace Period up to 60 days
Hotline Assistance 24-Hour
Policy Modification Online
Payment of Benefits monthly

Funeral Insurance

Funeral insurance is designed to reduce your family financial burden at what is always an emotional time.The loss of a loved one can be a huge emotional strain on family members left behind. With the cost of funerals running into thousands of dollars, the last thing most families need when they’re coping with the loss of a loved one is to dig into their savings,it can quickly become a financial strain as well. Choosing funeral insurance help protect your family’s future when they are going through the worst situation in their life .

With this Plan, you can help to ease the burden on your family’s savings and enjoy greater peace of mind.While many people have life insurance, normally this doesn’t pay a benefit until after the relevant paperwork has been submitted and processed. This takes time, and it¿s unlikely the money will be available at short notice to pay for a funeral.Funeral Plan is easy-to-obtain funeral insurance and is designed to help save your loved ones thousands of dollars in funeral expenses. On your death, it pays a lump sum benefit to cover the costs of a funeral and other associated expenses.Funeral Plan, it’s so simple to get a quote and get on the path to securing your family’s future.

from $39.00
Level of Protection from $50.000 to $1.000.000
Grace Period up to 60 days
Hotline Assistance 24-Hour
Policy Modification Online
Payment of Benefits monthly

Term Insurance

Life is uncertain. Unfortunate events like an untimely death of the breadwinner can put a family at a great risk of being financially insecure.

The Term Plan is a pure risk cover plan and an economical means of providing an adequate level of financial protection. In this plan, the life cover amount (sum assured) is paid to the beneficiary in case of the unfortunate death of the life insured. As a result, the family of life insured is well cushioned financially even if the life insured is no longer around to provide.

from $69.00
Level of Protection from $50.000 to $1.000.000
Grace Period up to 60 days
Hotline Assistance 24-Hour
Policy Modification Online
Payment of Benefits monthly

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Whole Life Insurance

Whole life insurance, also known as Permanent life insurance provides life insurance for the entire lifetime of the policy holder. The premiums in this policy are paid yearly leveled for life; however in the early years of the policy premiums will exceed the insurance costs of the company. In short, you would be overpaying the true annual insurance cost in the early years of the policy but later when the cost exceeds what you are to pay as premiums, the overpaid amount would make up the cost difference. Hence, one pays more initially to pay less in the future!

Premium amounts can be paid up for over 20 years (age 65-100 tears). One can also cancel the policy after a period of time known as a cash surrender option and receive a lump-sum tax-free payment. Most of the refund amount known as the cash value would be the over payment in premium and not some sort of investment.