With Every Quote: Free Special Reports

Two Special Reports are offered with every insurance quote:

  • Universal Life Insurance Consumer Report
  • Whole Life Insurance Consumer Report

Each illustrated report is delivered in PDF format to allow you to print out the report and read it at your leisure offline.

These reports will help you navigate the tricky waters of insurance rivers.

Each kind of policy has its own particular function - whether investment or protection or a combination of the above. Each insurance company offer a confusing array of products in most categories.

LSM Insurance, a leading provider of online life and living benefit insurance solutions for Canadians, outlines the major concerns with each kind of policy and then goes on to disect the current top policies from that category from the top companies in Canada.

Each report is like an accelerated course in insurance analysis. The reports include the most up-to-date policy information and are updated every three to six months.

Quick to read and heavy on facts, if you are considering insuring yourself in Canada, you can't afford to miss our Canadian Life and Health Insurance report series.

US Term Life Insurance Quotes also available.

Term Life Insurance Instant Quote

Get your term life insurance quote and free reports now!

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What Clients Say

Real & Dorothy Duteau
Real & Dorothy Duteau

LSM Insurance team was highly recommended for our insurance needs and our first meeting confirmed what we were looking for: integrity, honesty, competency and affordable products.

Also throughout the process, the LSM Insurance team kept us informed on the status of the application and was involved in clearing all obstacles. This is what we really appreciated, as his follow-up was 110%.

With this kind of service and dedication, there is no doubt that we will be with LSM Insurance for the rest of our lives.

Mario Mavrides
Mario Mavrides

I have been a client of LSM Insurance for three years and have been extremely happy with his service.

Their approach is straightforward and is time friendly. It's a great feeling to know I have a first rate professional looking after my insurance and financial needs.

Arthur Balaniuk

LSM Insurance was referred to me by a close friend.

I had spoken with several insurance people prior to meeting with LSM team and I was very impressed with their straightforward approach.

I am very pleased with the plan he set up. It's easy to see why they have become so successful and I would not hesitate to refer others looking for insurance and investment solutions to LSM Insurance.

Maher Rizkalla
Maher and Salwa Rizkalla

We have been clients of LSM Insurance for over nine years, and we have always found LSM team very responsive to all our insurance and financial needs.


  1. edwin moore 12/03/2009 at 9:37 pm

    i have type 2 diabities for about 1 year now and it is very controlled with a pill medication gluburide

  2. LSM Insurance 12/04/2009 at 9:36 am

    Hi Edwin,

    Thanks for the note. Depending on your age, height and weight and blood sugar reading you could still qualify for standard rates. I’ll send you an email shortly. Thanks … Lorne

  3. Rakesh 12/09/2009 at 10:47 pm

    Hello There, I already have a life insaurance and we think we are on wrong path. There was a lot of missinformation from my insurance agent. If you feel you can put us on right track kindly give us a call.Thanks in advance.
    Truly ,Rakesh

  4. LSM Insurance 12/10/2009 at 10:20 am

    Hi Rakesh,

    Thanks for the note I will be in touch with you soon. Regards …

  5. debbie smith 01/24/2010 at 7:58 pm

    I have a mortgage line of credit for $224,000.00.I have not touched a drink of alcohol for 26 yrs or smoked in 33yrs. I am 56 in good health a little weight to lose. I have a physical job. Presently I pay TD $200.00 a month and I was told I pay too much. Could you provide information on life in. and 20 yr term.

  6. LSM Insurance 01/25/2010 at 11:54 am

    Hi Debbie,

    Thanks for the note.

    I think we can definetly help deliver a better value than the bank’s mortgage insurance plan. I will send you a separate email now. Regards … Lorne

  7. Ralph Furgason 01/31/2010 at 6:09 pm

    I am 60 and have a wife 38, and son 15. I had insurance with my previous employer but that canceled upon leaving the job. Now I have nothing. I would like an insurance to provide my family with some income, and funeral expenses, if I might die that is affordable. I am a average income earner…..15 – 20 per hour so can not afford a large monthly payment.
    The banks offer a “no medical” policy that offers very little in case of death other than accident. They have a two year waiting period, which I don’t mind.
    If possible I would like a policy that will pay them something upon my death, and present as investment collateral in the meantime as I try to increase my financial folio before my demise.
    Can you help me?

  8. LSM Insurance 01/31/2010 at 9:22 pm

    Hi Ralph,

    Thanks for the note if you have no major health issues you would be better off with a traditional life insurance plan versus a non medical plan.

    I will send you a separate email shortly.

  9. Beth 02/10/2010 at 2:55 pm

    I am 38 year old making about 4000/month and my husband 47years old and makes about 5800/month
    we would like to have life insurance and disability insurance coverage for our mortgage that we just took out and have no coverage at the moment. our mortgage is for $265000
    monthly payment 1617.21
    both of us are in good health and non smokers our whole lives
    Can we get a quote?

  10. John 04/10/2010 at 7:44 pm

    I am turning 65 in June. I am currently insured with a term policy for $200,000 thru my employer until the end of july 2010. I am looling at converting thru Sun Life to a small $15000 policy of whole life. Are yu able to provide a quote for that amount? I am in good health and on no medications. I have a yearly medical check.

  11. LSM Insurance 04/11/2010 at 2:46 pm

    Thanks for the note John. We are happy to help out and will be in touch with you soon by email.

  12. yoonsuk 04/11/2010 at 7:41 pm

    I am 41,male and currently having a $200,000 universal life for 8 years. But recently I found out my insurance premium will be tripled in 2034. The agent never told me about it. Anyway I will cancel it and get a new one maybe term to 100.
    But I am worrying that i have been declined once 2 years ago for another life insurance with health issue. I have mild hypertension and in control with medication about 130-80, non smoker.
    I ‘d like to know whether I can get a life insurance.

  13. LSM Insurance 04/12/2010 at 11:03 am

    Thanks for the note. We are happy to assist – it sounds like you have increasing cost of insurance within your Universal life policy. I would definetly make sure your approved for a new coverage before cancelling your existing plan. Your current policy may have a conversion option.

  14. Diane 04/14/2010 at 4:12 pm

    I am interested in buying insurance for my granddaughter,and at the present time,I am 69
    years old,and in excellent health.I do have a
    hearing loss,so that limits me to recieving emails
    or text messages for corresponding with anyone.
    I am also on a pension.Could you give me some idea
    of how much it would be for a 10.000 life ins
    policy.Thank you!

  15. LSM Insurance 04/14/2010 at 7:01 pm

    Thanks for the note. We are happy to assist I will send you a separate email now.

  16. Julian 04/25/2010 at 11:48 am

    Is the premium quote above per month or per year?



  17. LSM Insurance 04/25/2010 at 1:12 pm

    The default payment mode is monthly. Please let us know if we can assist further.

  18. Sandra McGrath 05/12/2010 at 9:56 pm

    Our life insurance is coming up for renewal soon and I have been shopping around for different ins. products. I am 46 this Sept and my husband is turning 48 in May. We are both non smokers. I was looking at some term life and a small whole life policy approx 50,000. The 15 year quick pay policy appealed to me but I read that Unity life only offers whole life to 18-45 year olds?!! Please let meif we are eligible for this.

  19. LSM Insurance 05/13/2010 at 11:23 am

    Thanks for the note. A variety of companies offer 15 Pay Permanent policies including Desjardins, Canada Life, Manulife and Industrial Alliance.

    We are happy to assist further.

  20. Lisa Curtis 05/25/2010 at 10:01 am

    Please let detailed insurance. I am looking for $500,000.


  21. LSM Insurance 05/25/2010 at 10:51 am

    Thanks Lisa. The rates depending on many factors including, age, smoking status and type of plan. We’ll send you an email now.

  22. katerina 07/25/2010 at 4:13 pm

    My employer just presented me with the bill for 421.38/month for group rate premium as I was off on medical leave for over 2 weeks. They stated that this amount is paid for every single employee. I contacted the insurance company to inquire about individual coverage and was told that the above amount does not even exist. Also, speaking to other employees about the amount they paid while on leave and they don’t even come close to half of this amount. I obviously have to opt out of the group plan, more like was forced out. Are there any other remedies to this? I feel that they are trying to overcharge me on the behalf of the insurance carrier.

  23. LSM Insurance 07/26/2010 at 11:16 am

    Thanks for the note. We are happy to help and we’ll send you an email now.

  24. David 01/23/2011 at 1:41 pm

    Looking for term to covering existing line of credit for $50,000.00, as now that I have turned 70 and had coverage for this debt, they have – Scotia Bank – cancelled this life insurance. Would take a 5 year or 10 year. Health good employed and a smoker. Dave

  25. LSM Insurance 01/23/2011 at 1:51 pm

    Thanks David – we work with several carries who issue insurance to people 85 and under and will be in touch shortly with a quote.

  26. Huma Ahmed 02/20/2011 at 3:43 pm


    I am in search of information regarding a life insurance policy with a critical illness rider. Although I am a non-smoker and 41 years of age, I was diagnosed with Transverse Myelitis in August of 2008. I am hoping there is some insurance companies which would accept my application for either the above mentioned policiy, or disability (even though I am not disabled right now).

  27. LSM Insurance 02/21/2011 at 9:33 am

    Thanks for the note Huma.

    Disability insurance will be difficult if you are already disabled. But a no medical simplified life insurance policy should be availble.

  28. Zeny 03/02/2011 at 12:39 am

    i need some quote for life insurance

  29. LSM Insurance 03/02/2011 at 9:50 am

    Thanks Zeny. We are happy to help out and will send you an email now. The rates will depend on your age, health, smoking status, face amount and the type of plan.

  30. Brian 03/30/2011 at 9:01 pm


    I am 61 in April and have been declined because of high PSA. Is there anything you can recomend.

    Thanx, Brian

  31. Ian 03/30/2011 at 11:12 pm

    37 non smoker interested in term insurance coverage for my family. Can someone please contact me and assist in providing a quote?

  32. LSM Insurance 03/31/2011 at 8:03 am

    Thanks Brian – the premiums will depend on the amount of coverage and type of plan. We offer a few simplified issue term plans that may be a good fit. We’ll send you a separate email now.

  33. LSM Insurance 03/31/2011 at 8:21 am

    @ Ian. Thanks for your inquiry. The premiums will depend on the length of the term and the face amount. If you are in excellent health with very good family health history you can qualify for preferred rates – which could lower your rates but up to 30% See article link to lsminsurance.ca

    We’ll send you an email now.

  34. bruno 05/04/2011 at 8:56 pm

    my husband need a life insurance because mine does not cover my spouse, he is 48 year old and no smoking, no health problems
    thanks for your help

  35. LSM Insurance 05/05/2011 at 8:28 am

    Thanks for the note. The premiums will depend on the type of plan and the face amount.

    We will send you a separate email now. Regards,

  36. Clark 05/06/2011 at 4:26 pm

    250,000 life insurance non smoker born nov 1963. good health no problems, non smoker.

  37. LSM Insurance 05/06/2011 at 4:48 pm

    Thanks Clark – you’re health works in your favour. The rates will depend on the type of plan.

    We will send you a separate email now.

  38. Jordan 05/24/2011 at 7:31 pm

    250,000 life insurance 20 term insurance, non-smoker, born April 1985. Type 1 diabetes for 1 year, controlled with insulin.

  39. Jingwei 06/01/2011 at 10:50 am

    Female non-smoker, good health, born 1979. Looking for 20-year term life insurance and want to discuss critical illness insurance as well. Could someone contact me please.

  40. LSM 06/01/2011 at 4:33 pm

    Thanks for the note. The rates on the Critical Illness coverage will depend on the length of term and if the plan has a return of premium. Regards, Lorne

  41. Victoria 10/05/2011 at 10:24 am

    My husband will be turning 65 on Oct 13th and I am 61 yrs of age. We presently have 100,000 each life insurance with my husbands past employer and now that he will be 65 it will expire in a few days. Is there any way I can convert our policy over to your company if the premiums are affordable. We are both in good health and non-smokers. My husband has controlled hypertensive with medication. We would be interested in a 20 yr plan.

  42. LSM Insurance 10/05/2011 at 12:41 pm

    Thanks for the note.

    Depending on the insurance carrier we should be able to help you with your group life conversion. Please keep in mind most Group Conversion have a buffer in the pricing factoring the insured may have health issues.

  43. bob 10/12/2011 at 12:50 pm

    iam looking for insurance to help my fmaily with my debt.

  44. LSM 10/12/2011 at 1:50 pm

    Hi Bob,

    Thanks for the note – we are happy to help. The premiums will depend on your age, smoking status, type of plan and face amount We’ll send you an email now. Regards, LSM

  45. Ernest 10/25/2011 at 9:16 pm

    I m 52 and wife 51 ..both good health ..non smoker looking for term life 15 ? 20 ? ..amt 300,000 each ..Please advise ..Thanks

  46. LSM Insurance 10/26/2011 at 7:00 am

    Thanks Ernest – most companies use age nearest rather than age last pricing so depending if you are closer to 52/53 and 51/52 this would impact the premium. We’ll send you a separate email now. Regards,

  47. D 11/06/2011 at 2:03 pm

    My wife is suffering from M.S and has been turned down in the past. Is there any hope of her getting coverage?


  48. LSM Insurance 11/07/2011 at 9:16 am

    Thanks for the note. Your wife could qualify for a No Medical Simplified Issue Policy. These policies have no medical tests and 3 to 12 health questions. The death benefits are more limited but many do not have a question on MS.

  49. Bill 11/12/2011 at 5:04 pm

    I am 61 years old born … I am a non smoker in good health.I am looking for quotes on 10,000, 25000 whole life policies. thanks Bill

  50. LSM Insurance 11/12/2011 at 6:13 pm

    Thanks for the note. We will be in touch by email shortly.

  51. grace 11/17/2011 at 9:31 pm

    I am 47 female non-smoker and general good health taking no medications. I am however overweight about 60-80 lbs over the “normal” range. I have no other medical conditions. Would I pass the medical requirement for term life insurance?

  52. LSM Insurance 11/18/2011 at 9:31 am

    Thanks for the note Grace. Yes you should be able to qualify for a Term Life Insurance plan but it would likely have a rating i.e. meaning an extra premium related to your weight.

    Many company view this risk diffrently so premiums could vary significantly by company. We will send you a separate email now.

  53. Yvonne 01/18/2012 at 1:13 pm

    Would like small term policy. Am 58, female, non-smoker, managed hypertension Have current $50,000 on a retirement policy from employer which is only good to age 65. I am limited income and monthly premium needs to be affordable for me. Can you help please.

  54. LSM Insurance 01/18/2012 at 2:57 pm

    Thanks for the note. The premiums will depend on the type of Term i.e. 10 or 20 years and the amount of coverage. We will send you an email now. Regards,

  55. Jennifer 02/21/2012 at 11:46 pm

    Hi there,

    My husband and I currently have 10 year term insurance that is renewable in a year. When we took the insurance, we were both smokers but both quit a few months after taking out the policies. Neither of us has smoked for nearly nine years now.
    I am 46 (female) and my husband is 43 and has recently been diagnosed with Crohn’s disease. Where would we fall with regards to 20 year term life policies of $500 k each?

  56. LSM Insurance 02/22/2012 at 1:53 pm

    Thanks for the note. We will send you an email soon.

    Applicants with Chrohn’s disease can be approved standard, rated (pay higher premium than applicants with no health issues) or declined.


  57. Shannon 02/23/2012 at 6:45 pm

    As for us, my husband is 33yrs old.. non smoker and no health issues or pills. We just cancelled our mortgage insurance and have a baby on the way. We would like a policy for him for about 250K..Would it be whole or term or what. Thank you in advance.

  58. LSM Insurance 02/23/2012 at 6:59 pm

    Thanks Shannon. We will send you an email shortly regarding insurance for you and your husband and your father.

  59. C. Cran 04/10/2012 at 5:03 pm

    My husband and I don’t have any insurance. We are both retired and both have type 2 diabetis. It is controled with medications ,other than that we are both healthy. Do not smoke and drink very little. Looking for burial cost and help with living cost when one of us dies. I’m … and my husband is … . Is this possible for us or would it be too expensive.

  60. LSM Insurance 04/10/2012 at 5:45 pm

    Thanks for the note. The rates will depend on the type of plan and the face amount. If your diabities is well controlled you and your husband could qualify for standard rates.

  61. Ray 04/12/2012 at 5:05 pm

    I want a quot on $100,000,00 life insurrance .i am 66 year old , thanks Ray..

  62. LSM Insurance 04/13/2012 at 8:30 am

    Thanks Ray. The rates will depend on your smoking status and the type of plan – Term or Permanent. We will send you a separate email shortly.

  63. Yvonne 06/17/2012 at 10:53 pm

    I am … yrs old and my husband is … yrs old both in good health. We received a quote of $400/mth life insurance on $….. mortgage. Would like a quote on a 20 year term on $…. . Thanks.

  64. LSM Insurance 06/18/2012 at 11:35 am

    Thanks for the note. We are happy to help and will send you a separate email now.

  65. Nooshin 08/24/2012 at 3:51 pm

    Can someone comment if a family member or a friend has passed away and the life insurance company has paid the beneficieries easily or made the family suffer with a hundred excuses. In either case, please provide the name of the insurance company. Many thanks for your reply

  66. LSM Insurance 08/24/2012 at 4:29 pm

    Thanks for the note. It is hard to just an insurance companies claims paying performance on a case by case basis. There are many variables that go into paying a claim – such as if the policy has any exclusions i.e some policies are issued with travel or certain restrictions on dangerous activities.

    You may want to survey very experienced brokers and ask them for their feedback. Some insurance companies are much more consumer and administratively friendly than others.

  67. Yasir 09/04/2012 at 3:13 pm

    I am 36 years old now. And I want to know which insurance is good for me. I have two kids 3months and 4 years. My wife is 28years. I am a non smoker.

  68. LSM Insurance 09/04/2012 at 3:35 pm

    Thanks for the note. It will depend on your life insurance needs and your budget. We will send you a separate email now.

  69. Peter 09/27/2012 at 3:48 pm

    hello how much it cost me to Buy life insurance for me and my kids
    Thank you

  70. LSM Insurance 09/27/2012 at 4:11 pm

    Hi Peter,

    We are happy to help out.

    It would depend on a few variables the type of plan your date of birth, smoking status, the amount of coverage, you health etc.

    We will send you a separate email now.

  71. Jennie 10/10/2012 at 8:19 pm

    Hi Im looking for a disability and critical illness insurance. I’m a healthy 31 years old female working as a Registered Nurse. I’m looking for $5,000 monthly benefit after tax.

  72. LSM Insurance 10/11/2012 at 8:13 am

    Thanks Jennie. The rates depend on the amount of coverage.

    We will send you a separate email now.

  73. Gordan 10/17/2012 at 7:07 pm

    Please contact me about a 10 year term life insurance policy

  74. LSM Insurance 10/18/2012 at 9:54 am

    Hi Gordan,

    The rates will depend on your age, smoking status, health and the amount of coverage.

    We will send you a separate email.

  75. Daulat 11/02/2012 at 3:34 pm

    I would like to have a quote on Non Medical Insurance. I am currently 74 yrs old. Thank you

  76. LSM Insurance 11/03/2012 at 12:58 pm

    Thanks for the note. The premiums depends on the type on no medical life insurance. Guaranteed Issue plans have no medical tests and no health questions but have higher premiums. Simplified Issued have no medical tests and a few health questions. But have lower premiums and can pay out from day one. We will send send you a separate email now.

  77. sandeep 01/04/2013 at 10:00 am

    appreciate if someone could contact me for critical insurance quote for my wife and I.

  78. syed 01/04/2013 at 4:32 pm

    Hi Sandeep,

    Thanks for the note. I will send you a separate email with some information on how to obtain a Critical Illness insurance quote.

  79. Alicia 01/11/2013 at 10:10 am

    I am … years old. I have had type 2 diabetes for over 15 years now. I am currently on medication but no insulin. I want to know if I would be qualified to get life einsurance. I am also a non smoker. DOB: …… Please contact me at ….

  80. LSM Insurance 01/11/2013 at 1:17 pm

    Thanks for the note. You can definitely qualify for some type of life insurance plan. We will be in touch by email to review different options on Traditional Life Insurance and a No Medical Simplified Issue plan.

  81. Cathy 02/16/2013 at 1:27 pm

    I am interested if finding out weather my husband and I qualify for life insurance. After watching an episode of Market Place! Carring life insurance on our mortgage made me in easy. My husband has had type 2 diabetes for approximately 13 years, which is controlled with medication. I am a 8 year breast cancer survivor. Our combined annual gross income has been approximately …. We currently have a mortgage of …. And a line of credit of …. Is there any way we can find affordable life insurance?

  82. LSM Insurance 02/16/2013 at 3:20 pm

    Thanks for the note Cathy. We will do our best to find appropriate coverage at an affordable rate.

  83. Cindy 02/17/2013 at 5:36 pm

    I have two nephew that were diagnosed with type one diabetes at four and ten years old. They are now in their twentys and purchasing a house together and are having difficulties in obtaining insurance. Where do you stand on this?

  84. LSM Insurance 02/17/2013 at 7:00 pm

    Thanks for the note. They may be a good candidate for a No Medical Life Insurance plan. We are happy to try and assist and will be in touch by email.

  85. A Francis 04/24/2013 at 1:01 am


    I am 57 and need to renew my existing policy, hope you can help.

    I do smoke and am looking for about $100,000 of coverage.

    Please advise accordingly, thank you again.

  86. LSM Insurance 04/24/2013 at 2:10 am

    Thanks for the quote request. We are happy to help the premiums will depend on the type of plan and we will be in touch by email shortly.

  87. Vincent 04/24/2013 at 1:14 pm

    Hi! I I appreciate you taking the time to actually read and answer questions. Some of the information out there is pretty murky. Thanks again.

  88. EMSILY BOLTON 04/24/2013 at 1:48 pm

    Please send a quote .
    Thank – you,

  89. LSM Insurance 04/24/2013 at 1:53 pm

    Hi Emsily, I believe you were speaking with Tamara Humphries – I will have her contact you again.

  90. ZarahV. 04/30/2013 at 5:51 pm

    I’m 28 years old, non-smoker (female). I am working as a Nurse here in Calgary. I do have a $250,000 term insurance with Industrial Alliance. I just bought a house in 2012 and my parents are living with me. I am thinking of getting both life insurance and critical illness insurance just in case something happens with me. (Death/Illness).
    What’s the best insurance company and policy for me..? Thanks!

  91. LSM Insurance 05/01/2013 at 10:18 am

    Thanks for the note Zarah. The best company will depend on the type of plan you choose. We will be in touch by email now.

  92. Sharon 05/06/2013 at 11:26 am

    Hi i am writing you to find out more info about the grow up plan. my Granddaughter was just born and i wish to take out this plan for her. I already have one plan throught you for my Grandson who is now 4 Could you please give me more info on this plan Thank you

  93. LSM Insurance 05/06/2013 at 12:07 pm

    Hi Sharon,

    Thanks for the note. The Grow Up Plan is sold direct through Gerber. We have some excellent options of children’s insurance. You can find some good information in this article link to lsminsurance.ca

  94. ARLENE 06/17/2013 at 11:57 am

    I have many questions but personal can you email me. Thank you!

  95. LSM Insurance 06/17/2013 at 1:38 pm

    Thanks Arlene. We will be in touch by email soon.

  96. Ron 06/26/2013 at 9:54 pm

    Can I get an instant quote for disability insurance. I’m 52 Male NS and I’m looking for a $3500 a month benefit

  97. LSM Insurance 06/27/2013 at 10:09 am

    Unfortunately they are two many variables to provide a disability insurance quote, including your elimination period – how long until the plan pays out and the benefit period how long the plan pays out for. Thanks

  98. Marlie 08/12/2013 at 3:22 pm

    I have this policy for some time now – since mid 1993 and not sure what is appropriate. I have a home, and a car with some debt, non-smoker, no children; single. … a month..the type of policy is this: Guaranteed Life Term-100 Non-Par – I’m not sure what this is anymore…hard to get a hold of my agent…

  99. LSM Insurance 08/13/2013 at 9:32 am

    Hi Marlie, This policy would be a good plan to hold onto. The rates are guaranteed for life. We would be happy to review your needs to see if the plan should be supplemented with additional coverage.

  100. denis 09/10/2013 at 3:15 pm

    thank you.

  101. LSM Insurance 09/10/2013 at 3:23 pm

    You’re welcome. We are happy to help.

  102. Secret Sister 09/13/2013 at 2:59 pm

    my life insurance is about to expired, I am not happy with the company that I am with. what are the requirements to change from my present company to yours?

  103. LSM Insurance 09/13/2013 at 3:27 pm

    Thanks for the note. You may some options with your existing policy – you could always switch your agent of record with a written request.

  104. Brad MacKinnon 09/18/2013 at 1:43 pm

    My client is rated highly for depression and medication she has been taken for almost 20 years. What medical evidence is required for 55 year old smoker female.

  105. LSM Insurance 09/18/2013 at 1:53 pm

    Hi Brad, Your client can get up to $250,000 No Medical Tests, but with a series of Health Questions that will include a depression related question with Assumption Life. They would likely ask for an Attending Physician Statement. Canada Protection Plan underwritten by Foresters Life Insurance Company offers a Simplified Issue Term plan with No Medical Tests and No Depression related questions

  106. Calum 09/19/2013 at 12:37 pm

    Could not find a quote, as requested, on this page!?
    Would appreciate a phone call or a response by email to my enquiry:
    Term life for 75 year old male
    Non smoker
    $250000 over 10, 15 and 20 years

  107. LSM Insurance 09/19/2013 at 2:04 pm

    Thanks Calum. A Term 10 or Permanent plan would be available. We are happy to help out and will be in touch with a quote.

  108. Kathy 10/25/2013 at 9:48 pm

    I am interested in covering my oldest son he was born in …..
    I would like whole life policy at least $20,000.00. His health is not bad has some …. . Is it possible for me to get life insurance on him as his job status is very iffy and I don’t want to get stuck with the cost if something happens to him.


  109. LSM Insurance 10/26/2013 at 5:32 pm

    Thanks Kathy. We are happy to help with a life quote for your son and will be in touch by email shortly.

  110. Oscar 12/04/2013 at 5:01 pm

    Can you get a Guaranteed Issue and a Regular Term plan

  111. LSM Insurance 12/04/2013 at 5:08 pm

    You could have both plans but this would not make a lot of sense. If you qualify for a Regular Term Plan would be a much better deal than a Guaranteed Issue plan. Unless the Term Plan was heavily rated or you had the guaranteed issue plan for many years.

  112. Rick 12/20/2013 at 1:30 am

    Hello ,

    My wife is 31 year old . She has got a bunch of health issues like Thyroid , Depression (bipolar and border line and she is taking therapy for these but no medication) and
    this year she has been diagnosed with sjogren’s syndrome for which she is taking medication

    We have to get life insurance for her , do you think she will still get a standard rate or will it be higher . Will all the companies accept her or only handfull .


  113. Jackson 04/21/2014 at 9:49 pm

    Male 39 yrs old making about 4000/month, non smoker, good health. Looking for 250,000 life insurance.Please send me a quote. Thanks

  114. LSM Insurance 04/22/2014 at 10:46 am

    Thanks for the note Jackson. Most insurance companies use age nearest pricing meaning they price on the age you are nearest to. Are you closest to 39 also do you want a quote on a Term 10, Term 20 or Term 30 policy.

  115. janice 06/23/2014 at 5:01 pm

    I want to know if I can get life insurance on my mother??
    No smoking, drinking……..ever. Tip top health.

  116. LSM Insurance 06/23/2014 at 6:53 pm

    Thanks Janice. It was nice speaking with you. The rates depend on the type of plan and the amount of coverage. We will be in touch by email.

  117. Jim Huynh 07/11/2014 at 8:21 pm

    Please let me know about my parent Bith year 1932 & 1940 can they get their life insurance for $50 to cover $50,000 life insurance?

  118. Jim Huynh 07/11/2014 at 8:21 pm

    Please reply thanks

  119. LSM Insurance 07/12/2014 at 12:31 pm

    Thanks Jim. The premiums will depend on their smoking status, their age nearest ago and the type of plan. I will send you a separate email now.

  120. AH 07/19/2014 at 12:23 pm

    Hi Chantal
    I am ….. I have cardiomyopathy, recently inserted an ICD (implantable cardioverter defibrillator). I want a 20 or 10 year term life insurance. Please suggest me.

  121. LSM Insurance 07/19/2014 at 12:46 pm

    Thanks we are happy to help. The premiums will depend on your smoking status and the amount of coverage.

  122. Riva 07/29/2014 at 5:50 pm

    I would like to now approximately how much I have to pay on a monthly basis?

  123. LSM Insurance 07/30/2014 at 11:28 am

    Hi Riva, Thanks for the note that would depend on the amount of coverage and the type of plan as well as year date of birth and smoking status.

  124. Donna 08/11/2014 at 6:16 pm

    I am about to turn 70 at the end of August I am a non smoker, non drinker, I would like a quote for life insurance, I am looking for a quote for $75,000. I am in good health. I am 5’4″ tall and weigh 130 lbs.

  125. LSM Insurance 08/11/2014 at 7:14 pm

    Hi Donna,

    Thanks for the note. We are happy to help. The premiums will depend on the type of plan whether it is Term or Permanent coverage.

  126. Judy u 10/24/2014 at 3:32 pm

    I am 67 excellent health fit would like to know how much per month for both $50K & $100K policy
    Not sure of the lingo but just basic insurance.
    Thank you

  127. LSM Insurance 10/24/2014 at 3:39 pm

    Hi Judy, We are happy to help.. It would depend on your age nearest age and the typ of plan Term or Permanent we will be in touch by email

  128. Adeep 12/15/2014 at 4:56 pm

    Hi there,
    Looking for T30 Life Insurance , half million each for myself and my husband. Can you please quote us for per month and which insurance company it wud be thru.

  129. LSM Insurance 12/15/2014 at 5:18 pm

    Thanks Adeep we are happy to help and will be in touch by email. With the additional details we need to provide an accurate quote.

  130. DIPAKKUMAR 04/29/2016 at 11:13 pm

    Hi, I am running my 40th year of life and have little high-cholesterol and hypo-thyroidism. I am taking phenofibrate tablet for cholesterol and synthroid for thyroid. Both remains under control and never had any problem. I don’t smoke at all. I am not a regular alcohol drinker (occasionally once a year). I am looking to get Term 30 or Term 35 life insurance. Can I get it and what approx. premium I have to pay for sum insured amount of $ 150,000 only. Thanks

  131. LSM Insurance 05/05/2016 at 9:35 am

    Thanks for the note we sent you an email. Regards, LSM

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