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Successfully Processing a Claim

When a person covered on a life insurance policy dies how do you go about receiving the benefit from the insurance company? First Things First: If the insured person dies within the first 2 years of the policy, then the insurance company reserves the right to explore the validity of the claim and examine the […]

Getting Ready: Life Insurance Checklist – Part 1

Getting started can be the hardest part and organizing your thoughts can be challenging.  Use this list to help guide you.  It will help you ask the right questions and get the answers you need from an advisor. 1. What you would like your life insurance policy to do? Pay the mortgage off and other […]

Tips When Replacing Your Life Insurance

Because life insurance agents are normally compensated with commissions, there are some bad apples out there that will sell anything to make a buck.  Even if you have a good life insurance plan in place, they may recommend cancelling it and replacing it so they can sell you a new policy.  Before you cancel or […]

Life Insurance Medical Exams

When you apply for a life insurance policy, you will most likely be required to complete various medical tests.  These tests are can usually be completed in the comfort of your home at your convenience.  Nobody likes the word “exam”, with the exception of my stats professor in university L,  but it’s really quite simple […]

Life Insurance Isn’t for Everybody

This is probably not a topic that an insurance brokerage would bring up, but it’s the truth.  If you have no dependents and are not married or common law, then you probably do not have an obvious “insurable need”.  There are some exceptions, so please continue reading… Life insurance protects your loved one’s standard of […]

Joint Life Insurance

Joint life insurance is a form of life insurance that covers two people (or more) but only pays out its benefit once (exceptions apply…see below).  Joint policies can be set up in 2 ways; joint-first-to-die (JFTD), or joint-last-to-die (JLTD) and provide for substantial cost savings compared to individual coverage costs. JFTD is a great choice […]

Group Policies and Life Insurance

Group life or health insurance is a policy that covers a group of people under one policy. These policies are normally owned by the employers and offered to employees.  Enrolling in a group life insurance plan doesn’t usually involve a medical exam or a formal life insurance application and the rates tend to be pretty […]

Getting Life Insurance Quotes

Getting accurate quotes with is a very simple process and should take no longer than 2 minutes or your time.  Simply complete the online form and hit send.  You’ll receive an email within minutes informing you that we have begun the process of compiling your quotes based on the information provided by you.  One […]