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Standard Life Assurance Company policies
Pluses:
1. They have term plans at both preferred and standard rates.
2. They have Life Pay and Quick Pay. In addition, they also have guaranteed or non-participating Whole Life Life Pay and Quick Pay policies.
Minuses:
1. They do not have a disability policy.
2. Their Universal Life level cost plan is not well priced at many age brackets.
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Standard Life Assurance Company News
Standard Life will No Longer Sell Individual Life Insurance and Critical Illness Policies
12/14/2011Standard Life will not sell individual life insurance in the new year. Effective January 1, 2012, Standard Life will no longer sell individual life insurance and critical illness policies. However, the company will still serve those holding existing policies and applications received right up until December 31 and will still own that block of business [...]
Standard Life Term 10 and Term 20 Life Insurance Solutions
11/17/2011Standard life has Term 10 and Term 20 options. Photo by Brendan Wood (Effective January 1, 2012, Standard Life will no longer sell individual life insurance and critical illness policies). Standard Life offers Term 10 and Term 20 life insurance solutions. The plans are renewable to age 85 and convertible to a Standard Life permanent [...]
Life Insurance: Costco and Manulife Financial
09/13/2011Costco offers a term life insurance plan. Photo by Greenwenvy08 Costco offers term life insurance policies underwritten by Manulife Financial that are available to Costco Members. They can purchase policies with face amounts of $50,000 to $500,000 in multiples of $25,000. Examples: A 45-year-old, female non-smoker can get $150,000 of supplemental life insurance for $24.36 [...]
Standard Life Group Benefits
07/27/2011Employee health costs are going up, Standard Life may have the solution. Standard Life's group benefit policies provide health and dental care, drug plan solutions, travel assistance, life insurance, accidental death and dismemberment insurance, multi-national pooling, flex solutions, and solutions for small businesses. A key component of any group benefit package is the health care [...]
Term 100 Policies in Canada are Under Pricing Pressure
04/24/2011The number of Term 100 options in Canada is dropping. Photo by Joshua Williams Term 100 policies provide lifetime protection and fixed premiums. Most of these policies do not have a cash value. However, some Term 100 policies do have a guaranteed cash value available in the later policy years. These policies are generally described [...]
Standard Life’s Term 10 and Term 20 Term Policies: Now with Detatchable Riders
04/12/2011Customize your Term Life Policy with a variety of riders. Photo by J. Bosworth Standard Life offers renewable and convertible Term 10 and Term 20 policies, that provide some unique options compared to other Canadian insurers. Similar to most companies, coverage is available on a Single Life, Multi-Life, or Joint First-To-Die basis. But unlike most [...]
Standard Life Universal Life Policy
04/05/2011Standard Life's Perspecta Universal Life policy has Preferred Rates. Photo by Kamila Gornia (Effective January 1, 2012, Standard Life will no longer sell individual life insurance and critical illness policies). Standard Life's Universal Life Policy, known as Perspecta, is available with a Level Cost of Insurance or an Increasing Cost of Insurance. The policy is [...]
Standard Life Critical Illness: Analyzing Two Options
03/30/2011Critical Illness policies from Standard Life are pretty reasonable. Photo by Okko Pyykko (Effective January 1, 2012, Standard Life will no longer sell individual life insurance and critical illness policies). Standard Life offers two types of Critical Illness policies for adults. Their basic Critical Illness policy covers four illnesses, while their Enhanced Protection Plan covers [...]
Standard Life Terminal Illness Benefit
02/10/2011A terminal illness Benefit is available. Photo by Jane Liu (Effective January 1, 2012, Standard Life will no longer sell individual life insurance and critical illness policies). Standard Life has a Compassionate Benefit Program for its term and permanent life insurance policies. If the insured suffers from a terminal illness that reduces his or [...]
Standard Life Total Customer Satisfaction Guarantee
02/09/2011Don't be frustrated, at Standard Life your satisfaction is guaranteed. Photo by Kim S Standard Life offers a unique total customer satisfaction guarantee on its insurance policies. The program applies to all Standard Life individual products, with the exception of mutual funds and structured settlements. Standard life will provide a refund at any time in [...]
Standard Life’s Ideal Term Plus
12/15/2010Competitive Rates and Strong Guarantees on Standard Life's Term Fun Plus. Photo by Phil Brown Standard Life's 10-year and 5 Year Ideal Term Fund Plus is currently among the most compeitively priced in the industry. The plan is fully redeemable, offers all the benefits of an insured investment, including the opportunity for a pension income [...]
Critical Illness Policies for Women in Canada
11/26/2010The difference in premiums between genders isn't as significant with Critical Illness. Photo by Alessandro Vall Critical Illness insurance pays a lump sum if the insured is diagnosed with a critical illness, such as cancer. The number of illnesses considered critical can vary from carrier to carrier. The type of plan (Term or Permanent) along [...]
Critical Illness Term to 75
11/02/2010The Ins and Outs of Critical Illness Term to 75. (Effective January 1, 2012, Standard Life will no longer sell individual life insurance and critical illness policies). Critical Illness Term to 75 coverage provides level premiums and pays out a Lump Sum Benefit should the insured be diagnosed with a listed Critical Illness and survive [...]
Standard Life’s Term 20 Life Insurance Policy
10/17/2010Standard Life's Term 20 policy could have a children's rider. Photo by Ted Bongiovanni (Effective January 1, 2012, Standard Life will no longer sell individual life insurance and critical illness policies). Standard Life offers Term 20 life insurance solutions to insured people age 18 to age 65. The minimum face amount on the policy is [...]
Comparing Mortgage Life Insurance Rates Among the Big Five Banks
06/02/2010Mortgage life insurance does not stack up against an individual life plan. Most Canadians who take out a mortgage with one of the big five banks are also offered a mortgage life insurance policy which will pay off the insured's mortgage if he or she dies during the mortgage period. On the surface, this seems [...]
A.M. Best Ratings for 2009-2010
04/23/2010Most credit scores of insurance companies are stable Photo by Balazs Gal A.M. Best is a credit rating company for the insurance and banking sectors. Consumers use it to assess the financial strength and credit worthiness of their lending institutions. The following are the ratings for March 2010 and the fourth quarter of 2009: AM [...]
Life Insurance Policy Fees
04/02/2010Don't let policy fees nickel and dime you by Garry Knight Life insurance policy fees are a built-in fee, which covers the administration of the policy. The fee is hidden within the premium, but can be found with the policy document. The following is a summary of term 10 policy fees charged by Canadian insures. [...]
Business By Design’s Retirement Plan for Small Business
01/10/2010Business By Design's unique retirement plan may be the answer for your team. Photo by Lee Chisholm. Only 5% of small businesses in Canada offer a Group RRSP to their employees, which is why Business By Design has partnered with Standard Life to offer a unique group retirement benefits plan for small to mid-level business [...]
Standard Life launches India fund
07/10/2008Standard Life Mutual Funds Ltd., an affiliate of The Standard Life Assurance Company of Canada, announced the launch of the Standard Life India Equity Focus Fund, one of the first funds in Canada to capitalize on opportunities in India's fast growing economy. This fund is part of a wider launch, which also includes a T-Series [...]
Standard Life’s “retirement dashboard”
07/01/2008The Standard Life Assurance Company of Canada introduced a new website to allow group savings and retirement plan members to take ownership of their plans. Offering a so-called "retirement dashboard", the site provides members with an overview of their planning activities, their contributions, account balances, asset allocations and projected retirement assets, every time they log [...]
Step Up for the Children
06/11/2008Over 4,000 participants are expected to attend the 26th edition of Step Up for the Children with Standard Life, to be held on Saturday, June 14 on Ile Sainte-Hélène at Parc Jean-Drapeau in Montreal. The event will begin at 8:30 a.m. with the 10-km race, followed by the 5-km family walk at 10 a.m. Event [...]
Standard Life adds whole life plan
06/05/2008(Effective January 1, 2012, Standard Life will no longer sell individual life insurance and critical illness policies). In a recent press release, the Standard Life Assurance Company of Canada announced the addition of a Whole Life insurance product to its portfolio. This plan offers premiums and values that remain unchanged for the duration of the [...]
Standard Life Canada turns 175
05/13/2008This year marks Standard Life's 175th anniversary in Canada, and to commemorate this event, Standard Life is creating a $1.75 million endowment fund to enhance its current community investment program. "Standard Life's 175 years in Canada have been marked by important achievements and major contributions to the economic and social fabric of the country," [...]
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