Life Insurance
If you have an existing insurance policy
It’s important to fully understand your policy and any options available. This is especially important for those of us with health issues, since there may be some options you’ve forgotten about, or are available to you.
We believe it’s important to review your policy every few years, which is why we suggest you give your Agent a call and tell them you’d like to review your policy. Ask them to confirm the name of your beneficiary, your address, insurance amount and the type of policy (term or permanent), and make the appropriate changes if necessary.
In addition to the previous questions, some policies may provide some additional options, such as;
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Converting a term policy to a permanent one
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Reducing coverage to lower the premium
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Using cash values to pay future premiums
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Using cash values to provide an income source
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Using cash values to pay off debt
If you’ve lost touch with your Agent, or they’ve retired or left the business, we can offer some help.
Email us at info@itsallhere.ca and provide us with the name of the insurance company and the type of policy. They won’t provide us any information since we’re not your Agent, but we can provide you with the proper phone number and the questions to ask.
If you'd like a quote or wish to purchase a life insurance policy
We can help you, even if you’ve been turned down in the past.
As brokers we have access to virtually all the insurance companies in Canada. Which means if you are a smoker, overweight or have health issues- we’re sure we can find a policy for you. In fact last year we sold a policy to someone that had a heart transplant!
If you have serious health issues you can still purchase a policy, usually from $5,000 -$100,000 and available from ages18-75. As a reminder there is no sales tax, and the insurance benefits are tax-free.
We’d be happy to answer any questions, provide a quote and help you find a policy that meets your needs. Email wayne@itsallhere.ca along with some details about your health and age, or provide your phone number and a time we can chat. We can also email you some marketing material from some of our providers if you’d like to think about it first.
Insurance Policies
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