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Our business needed comprehensive insurance coverage, and this team exceeded our expectations. They took the time to understand our unique risks and created a policy tailored specifically for us. Their customer service is exceptional, and we feel secure knowing we have the right protection in place. Highly recommend!
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Why Life Insurance?
Life insurance gives your family financial security and peace of mind if the unexpected happens.
Replace your income so your loved ones can maintain their current lifestyle and pay everyday bills
Pay off your mortgage, debts, or final expenses without forcing your family to sell assets or struggle
Protect your children’s future by funding their education, wedding, or first home—even if you’re no longer here
Frequently Asked Questions
1. What is life insurance and why do I need it?
Life insurance is a financial safety net that pays out a lump sum (the death benefit) to your loved ones if you pass away. It helps cover funeral costs, replace lost income, pay off debts (like a mortgage), fund your children’s education, or simply maintain your family’s lifestyle when you’re no longer there to provide for them.
2. What’s the difference between term life and whole life (permanent) insurance?
Term life: Covers you for a specific period (e.g., 10, 20, or 30 years). It’s the most affordable option and ideal if you only need coverage during your working years or while your kids are young.
Whole life/permanent insurance: Lasts your entire life (as long as premiums are paid) and builds cash value you can borrow against. Premiums are higher but never increase with age.
3. How much life insurance do I actually need?
A common rule of thumb is 10–15 times your annual income, but the right amount depends on your debts, income, family size, and goals. Use our free calculator on this page or speak with one of our advisors for a personalized recommendation in under 5 minutes.
4. Is the payout taxable?
In almost all cases, no. Life insurance death benefits paid to your beneficiaries are completely income-tax-free in Canada and the United States.
5. Why should I buy from you instead of directly from an insurance company or bank?
We instantly compare real quotes from 25+ top-rated insurers to guarantee you the absolute lowest rate for your exact situation—something no single company or bank can ever do—100% free, no pressure, and it takes just 60 seconds.