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Union of Canada’s Non-Medical Life Insurance Policy

Union of Canada offers a non-medical life insurance policy called Protection Plus. The policy is available to insured people age 45 to 75, and the amount of insurance can range from $5,000 to $25,000 of coverage. The premiums on the policy are guaranteed paid-up at the end of twenty years. (more…)
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Canada Pension Plan for Final Expenses, is it Enough?

TheCanada Pension Plan Death Benefit is calculated as follows: The Death Benefit is calculated based on the total amount of the contributor's pension, or what it would have been had they lived to collect it at age 65. The Death Benefit is equal to six months of this calculated Retirement Pension, up to a maximum of $2,500. (more…)
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Canada Protection Plan Offers a Wide Variety of ‘No Medical’ Life Insurance Plans, But Often With a Waiting Period.

Canada Protection Plan's non-medical life insurance policies are underwritten by Unity Life. They are one of the leading providers of non-medical life insurance in Canada. They come in both the term life and permanent life insurance varieties. All of their policies are simplified issue plans, meaning that the insured does not have to complete any medical tests, but they do have to answer a series of health questions. The more health questions they're able to answer “no” to, ...
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Affordable Life insurance for Seniors in Canada

LSM Insurance is a leading provider of life insurance for seniors in Canada. We work with over 15 different insurance carriers and specialize in helping seniors get the best possible rate on life insurance. Some of the reasons why LSM insurance is able to work its magic and find seniors the most affordable life insurance are as follows: (more…)
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Life Insurance for Seniors

Seniors have a wide variety of life insurance options in Canada, so it’s crucial that you work with a broker who specializes in life insurance solutions for senior citizens. Seniors who are in good health should always look at traditional life insurance first, which asks a series of health questions and generally requires the insured to complete a medical test, such as a urine sample, blood sample, or ECG test. Traditional life insurance policies are available in two policy ...
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Ontario BlueCross’s Basic Blue Choice

Ontario BlueCross's Basic Blue Choice is a health and dental policy for Ontario residents that offers very affordable premiums. It offers coverage for nursing care, ambulance services, dental care, hospital benefits, and prescription drugs. In total, Basic Blue Choice Coverage includes the following: (more…)
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High Risk Life Insurance

LSM Insurancespecializes in helping people who are deemed by insurance companies to be high-risk to get life insurance at affordable rates. Keep in mind that many variables can contribute to what an insurance company views as high-risk. 1. Occupation- Certain pilots, high-risk entertainers, and extreme sports athletes can be rated (have an extra premium attached to their policy) according to the risk associated to their occupation. 2. Recreational Activities- ...
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Assumption Life’s New Deferred Golden Protection

Deferred Golden Protection is available if you are declined from another plan. Photo by Luciano Meirelles Assumption Life recently introduced Deferred Golden Protection. It's a 'No Medical' Simplified Issue Life Insurance Plan meant to complement its existing Golden Protection product offering. The policy allows applicants who have been declined qualification for life insurance protection in the last two years. (more…)
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How to Choose a Life Insurance Policy

Allow your insurance broker to find the plan that's right for you. There are many variables that go into choosing a life insurance policy. The following are five key points that must be considered during the decision process: 1. How much life insurance is needed? This is the most important variable in choosing a life insurance policy. We make it easy because you can determine how much life insurance you need by visiting our Need Analysis Calculator. This considers such variables as ...
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What is Guaranteed Acceptance Life Insurance?

Guaranteed Acceptance Life Insurance is another name for Guaranteed Issue Life Insurance. Guaranteed Acceptance policies provide the insured life insurance protection without medical tests and without having to answer any health questions. This differs from 'No Medical' Simplified Issue Life Insurance, in that, although there are no medical tests, the applicant must complete anywhere from three to 12 health questions. Most Guaranteed Acceptance policies are available directly from the ...
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