To help mitigate financial impact to your family should the unlikely hood of death/critical illness emergency occurred.

Whether you have a family that is dependent on your income, or whether you’re seeking to provide the coverage that they may need in the event of a critical illness emergency – making an investment into life insurance is one of the most important purchases you can make to ensure the ones you love the peace of mind and assurance that comes with financial security.

When you’re the income producer of your family in which they will suffer financial hardship if you were unable to work due to death/critical illness.

There are many factors which contribute to the timing of insurance which may be specific to each individual and their unique needs. However, one of the most important contributing factors to purchasing insurance is if you identify yourself as an income producer of the family. Where should anything causing you to be unable to work due to death or illness, your family will suffer from financial hardship going forward.

The income producer of the family.

Term insurance & Critical Illness

Term Insurance is the most cost-efficient life insurance. If the unlikely hood of death occurred within the specific term, usually 10 or 20 years, your designated beneficiary receives a tax-free lump sum cash payment.

Critical Illness Insurance helps to cover emergency medical costs & income replacement in the unlikely hood event of diagnosed with Critical Illness such as heart attack, stroke, cancer etc.

Monthly or annual payment amount for your insurance coverage

Insurance companies has their own calculation algorithm mostly based on 3 core factors: age, gender & smoking status. Other factors may include your & your family’s health history, your living lifestyle & your financials. All these factors may increase or reduce your insurance premium amount.

Our insurances are for individual coverage only

All information we ask is standard requirements by insurance companies to underwrite your application

You can cancel your term insurance anytime without any penalties or fees, however, you may won’t be able to get any paid premiums back as they were used for coverage of the insurance up to your cancellation.

Payments can be made by monthly pre-authorized debit or by cheque annually.

Most insurance companies offers a “grace period”, usually 30 days from payment date. Your insurance will not be cancelled as long as you made the payment within the grace period.

Your death benefit and critical illness will be paid as a lump sum tax-free to your designated beneficiary!

Contact us immediately & we’ll guide you through the claim process.