IA Excellence

A Mortgage Insurance Solution Through IA Excellence

IA Excellence offers a mortgage insurance solution through its Universal Loan Insurance Program. The contract is independent from creditors and the policyholder owns the coverage. The money can be used to cover all insurance loans. Unlike bank-owned mortgage insurance, the policy can be transferred from loan to loan. The coverage is suitable for mortgages, lines...
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Industrial Alliance Raises their Whole Life Insurance Rates

Effective January 1, 2012, Industrial Alliance is increasing premiums on their Whole Life Insurance. The increase is once again thanks to low interest rates. Many insurance companies, including Industrial Alliance, have already raised their universal life rates for the same reason. The policies affected include the 10-year, 15-year, and 20-year paid-up policies and its Payable-to-Age...
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No Medical Life Insurance: Understanding the Two-Year Waiting Period

No medical life insurance policies are always broken down into the following two categories: 1. Guaranteed-issue Life Insurance, which has no health questions and no medical tests. BMO Insurance is a leading provider of Guaranteed Issue plans – selling its flagship plan, Guaranteed Life Plus, directly via its call centre. The only carrier to offer...
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IA Excellence: No Medical Life Insurance Policy

With IA Excellence’s non-medical plan, a doctor will not examine you before you qualify. IA Excellence offers a non-medical life insurance policy. The plan is geared towards people who have health problems and are unlikely to qualify for traditional life insurance, as well as people who prefer being able to obtain life insurance without a...
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IA Excellence’s Universal Loan Insurance, an Alternative to Creditor Insurance

IA Excellence‘s Universal Loan Insurance is a unique alternative to traditional creditor insurance. To qualify: 1. The insured must be between the ages of 18 and 59. 2. Hold full-time work or be on parental leave. 3. Be an individual or corporation. 4. Have a spouse who works full-time if they themselves are without paid...
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