Life insurance, talked through with care
The real question is simple: would your family be okay financially if something happened to you? We help you answer it, at your pace.
How we help with life insurance
Life insurance is a different kind of conversation. Talking about mortality is never easy, so we keep it practical and unhurried. Three of our brokers, Paul, Carlos and Susy, are licensed to advise on life insurance.
We start with your family, your mortgage and your goals, then compare policies from Wawanesa Life, Manulife, Equitable Life and Canada Life so the coverage fits what you actually need.
Types of coverage
- Term life
- Coverage for a set period such as 10, 20 or 30 years. The most affordable way to protect a mortgage and young family.
- Permanent life
- Whole life and universal life coverage that lasts your lifetime and can build cash value.
- Critical illness
- A lump sum if you are diagnosed with a covered illness such as cancer, heart attack or stroke.
How we work out what you need
Every situation is different. These are the ones we help with most often.
Start with your family
Who depends on your income, and for how long.
Count what is owed
Your mortgage, other debts and final expenses.
Plan for what is ahead
Education, income replacement and the goals you have for your family.
Check what you already have
Group coverage at work often ends when you leave the job. We look at whether it is enough on its own.
Your life insurance advisors
Paul, Carlos and Susy are licensed to advise on life insurance.
Life insurers we work with
Life insurance questions
Have a question that is not here? Call 519-623-7031 and ask a broker.
How much life insurance do I need?
Enough to cover your debts, replace your income for the years your family would need it, and fund goals such as education. We work through the numbers with you rather than using a rule of thumb.
Is mortgage insurance from my bank the same as life insurance?
No. Lender mortgage insurance typically pays the bank, and the benefit shrinks as you pay down the mortgage. A personal life policy pays the people you choose, and they decide how to use it.
Do I need a medical exam?
Not always. Depending on your age and the amount of coverage, some policies only need a health questionnaire. We will tell you what to expect before you apply.
Related coverage
Home insurance
Houses old and new, including homes other insurers have turned down.
Business insurance
Small and family businesses, contractors and the trades.
This page is general information about life insurance in Ontario. Your coverage depends on your policy wording. Coverage cannot be bound or changed by email, voicemail or web form. You must speak directly with a licensed broker.