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Looking for life insurance for children?  Here are some things you may consider. Make sure you know ‘why’ you’re purchasing insurance on your children.  Unlike adult coverage, life insurance for children is rarely about covering a current insurable need. Instead there’s two common reasons for putting life insurance on children.  First is to guarantee future [...]

No medical exam life insurance isn’t as easy as it seems.  Based on our experience, here’s our top 10 tips you need to consider prior to purchasing no medical exam life insurance. Be aware that there are 2 different types of no medical exam insurance – some have qualifying questions (no medical exam life insurance) [...]

Term life insurance is recommended by many consumer advocates as the least expensive type of insurance.  However, it’s not quite as easy as that – read about the pros and cons of term life insurance. Term life insurance is life insurance needed for temporary or short term life insurance needs.  In the insurance world, ‘short [...]

Whole life through the years has been both lauded and maligned.  Which is right?  The answer is, it depends.  Here’s an evaluation of the pros and cons of whole life insurance to help you answer that question. Cons: As an investment. Whole life insurance develops a cash surrender value, so these polices are sometimes viewed [...]

Insured retirement plan is a retirement tax planning strategy using life insurance.  Like any investment strategy, there’s pros and cons that need to be weighed and considered.  The underlying strategy can be very advantageous (i.e., provide you more income) but you should be aware of the potential risks and drawbacks. Consider reading other articles we [...]

Who has the lowest life insurance rates in Canada for 2019? Life insurance pricing is very competitive in Canada- especially in recent years. We have seen life insurance providers continuously make changes to their rates (especially term life insurance) to undercut competitors in a bid to gain more market share. This is definitely a win [...]

If you purchase a term life insurance policy you are not locked into the policy. You can make changes to the policy or cancel the policy at any time without incurring any penalties or fees. It is actually a very common question that we receive regarding term life insurance policies. Since term life insurance is [...]

Term Life Insurance does not have cash value. It is very similar to home or car insurance- it is designed to provide insurance coverage for a period of time and is in effect while you are paying the premiums. If you stop paying the premiums, the coverage is no longer in effect and you do [...]

A 20 year term life insurance policy is a life insurance policy which has two main aspects… The premium (or cost) of the life insurance policy is level (or fixed) for a period of 20 years from the policy start date The death benefit (or coverage amount) of the life insurance policy is level (or [...]

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