Insurance Quotes

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Term Life Insurance Quote

  • A term life insurance policy covers a policyholder for a pre-defined period of time, which is also called the term.
  • There is an array of term products e.g. Term 10, Term 20, Term 30, offering coverage for 10, 20, and 30 years.
  • It is a simple, pure insurance product without a cash accumulation or savings component.
  • It is best to cover time-limited risks e.g. an outstanding mortgage or the time until your children have grown up.
  • Term life insurance is the cheapest life insurance product.

Whole Life Insurance Quote

  • Whole life insurance is a life insurance policy that covers a policyholder as long as they live.
  • It is both a life insurance product and a saving product – an insurance policy accumulates value that you can get, either when you terminate (surrender) the policy or if you decide to borrow against the policy value.
  • It is a popular choice for those who want to get life-long coverage while accumulating value in a tax-savvy way.
  • It is more expensive than term life insurance, but the rates are fixed for life and do not increase with age.

Universal Life Insurance Quote

  • Universal life insurance is a policy that covers a policyholder as long as they live.
  • It combines both an insurance and a savings component, similarly to Whole life insurance.
  • Unlike with Whole life insurance, you can vary your monthly deposit, choose a level or increasing death benefit option, or tailor your investment choices within a tax-sheltered account.
  • It is a more complex life insurance product than Term or Whole life insurance.

Term 100 Insurance Quote

  • Term 100 life insurance covers a policyholder as long as they live offering a permanent protection
  • It is purely a life insurance product as opposed e.g. to Whole life insurance product (see below)
  • It is somewhat cheaper than Whole life insurance and Universal life insurance

Long Term Care Insurance Quote

  • Long term care insurance is designed to cover the costs of providing basic care in the event that you are not able to care for yourself and not able to perform two or more of the activities of daily living e.g. bathing, eating, dressing, toileting, porting/transporting, etc.
  • If you qualify by being unable to do any two or more of the activities of daily living, an insurance company will pay the monthly benefit.
  • The benefit is based on the original subscription if the inflation option is not taken, or the benefit is higher when the inflation option is selected.

No Medical Life Insurance Quote

  • No medical life insurance is life insurance that does not require medical tests and it comes in two forms.
  • Simplified issue life insurance comes without medical exams and has a short questionnaire to complete.
  • Guaranteed issue life insurance has neither medical exams nor questionnaires to complete.
  • This is an ideal type of insurance for those who would not be approved for Traditional life insurance.
  • It features lower insurance coverages and more expensive rates when compared with other insurance types.

Disability Insurance Quote

  • Disability insurance is a type of insurance that substitutes part of your income should you become disabled.
  • Disability benefits do not come as a lump sum, but as monthly payouts.
  • Disability cases are clearly defined in an insurance policy and have a number of special conditions e.g. defined waiting times.
  • There are pre-defined disability benefits limits that are linked to your salary.

Critical Illness Insurance Quote

  • Critical illness insurance is a policy that pays you a lump sum should you be diagnosed with particular illnesses.
  • Critical illness cases are clearly defined in an insurance policy and can include just heart attack, cancer and stoke, or 25+ illnesses.
  • You decide how you will spend this lump sum – for your medical treatment or simply at your discretion.

Seniors Life Insurance Quote

  • Life insurance for seniors allows people of senior age, who often have a number of pre-existing medical conditions, to still qualify for life insurance.
  • It features coverage required by seniors, which is not very extensive since it serves the purpose of covering outstanding debts and covering final expenses rather than supporting others.
  • There are several distinct types of life insurance for seniors to choose among.
  • It is quite affordable, especially if you can qualify for more cost-efficient insurance policies.

Funeral Insurance Quote

  • Funeral insurance is a life insurance policy that is big enough to cover all the costs associated with final expenses, including funeral or burial costs.
  • It is also often called burial insurance or final expenses insurance.
  • Given that funeral insurance is mostly purchased by seniors, it is easy to qualify for these insurance plans.
  • They often fall into one of two categories: simplified issue life insurance or guaranteed issue life insurance.

Health & Dental Insurance Quote

  • Health insurance covers numerous health care costs that are not covered under provincial plans.
  • It can include prescription drugs; vision care, including eye exams, glasses, and contact lenses; dental care; practitioners such as physiotherapists; travel insurance and travel emergency medical services; ambulance and other health care services; and medical equipment.
  • It is often chosen by people who do not have enough group health benefits through their work or when they leave their job.

Group Insurance Quote

  • Group insurance or group benefit plans offer various types of coverages for employees of a company.
  • It can include such components as Group health insurance, Group life insurance, Group disability insurance, and other coverage types.
  • This coverage stays in place as long as an employee is a part of a company.