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Life Insurance

Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Life Insurance Information


One summer I personally handed out over $1 million in life insurance checks to clients. It was a very upsetting time except when the beneficiaries opened their envelopes and saw their claims were settled in less than 2 weeks. WOW this is incredibly powerful I thought to myself. One client paid her mortgage off and added over $250,000 to her retirement savings. She will never have to worry about money again. Life insurance is all about planning for the unexpected. And making a significant difference in your families lives. Providing protection for your family, estate or business. Call me on my direct line 289 338 0543 to discuss the cheapest way to purchase a Life Insurance Policy

Why do we need Life Insurance? Life insurance secures your loved ones futures against the unexpected. 

We recommend that you decide a purpose for the Life Insurance, and a reason for buying an insurance so you know you have enough.

There are several good uses for Life Insurance:
  1. Pay for funeral expenses
  2. Payoff your debts
  3. Provide future income by replacing lost income for your family if you prematurely die
  4. Payoff you future tax liabilities
  5. Create additional wealth to pass along to your wife and children
  6. Insure your estate or business tax liabilities for your family or partners
  7. Create a charitable legacy through donating an insurance policy (may be tax deductible)
  8. You think its a great way to create money-insurance is money
  9. Take tax free loans against whole life policies with cash value

What is the purpose of Life Insurance? How much do we need (call for 289 338 0543 for an insurance needs analysis)?

Use our quote engine to find the cheapest Term Life Insurance, Lowest Life Insurance Quotes, cheapest Term for Life, Whole Life or Universal Life insurance policies. Pay yourself first and save 25% to 40% on Life Insurance. If you are not sure call me on 289 338 0543 my private line

We can show you how to pay less for Life Insurance

You can generally look at insurance in 2 ways: Do you want to  RENT Cheap Term Life Insurance for a period of time or OWN a Whole Life Policy then accumulate a cash value that can pay back your policy premiums?

There are many kinds of life insurance, but they generally fall into two categories: term insurance is like renting and whole life insurance will have a cash value that you own.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

If you have mortgage creditor insurance we recommend that you purchase and own your own policy. These policies provide declining coverage as you pay down your mortgage. Watch this video from CBC Market Place In denial to understand why mortgage insurance is a junk product

In contrast, whole life insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, whole life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your  needs and circumstances. Often coming down to what you can afford. Or defined by the purpose of the life insurance policy. Try running your own quote on our  home page. You'll get a feeling for the various options, prices, providers.  If one of those looks interesting then click the request an application button then we'll receive your information. The best way to calculate HOW MUCH YOU NEED is to meet with or talk to a qualified and licensed life insurance professional. You can also request a life insurance quote, in-force policy review or needs analysis.
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