Health Insurance Quotes

When you decide to buy health insurance, the sales organization - broker, agent, company - must be licensed to do so in your province. Providers will make product information, coverages, pricing and applications available in numerous ways -- in local offices, through the mail, via telephone and/or on the web over the Internet.

This section of our site focuses on those organizations which offer web-based information and online quoting for some or all of their health and related products. This allows you to determine the price or insurance premium for a certain product and your set of circumstances.

Some of these providers, in addition to telling you the price, will also let you purchase your insurance online, but most offer alternatives should you have concerns about buying that way. They will also have ways you can communicate with them - e-mail, telephone, etc. - if you have questions or wish further advice. Many firms will have more local representation should you wish face-to-face discussions.

There are many insurance carriers that allow you to obtain Canadian health insurance quotes online, which is the easiest way to get the information you want on various insurance plans. In order to obtain a health insurance quote, you must complete an online form. Your answers to the form’s questionnaire will help determine the insurance coverage best-suited for you and/or your family. It is important to consider the types of coverage you might need for you and/or your family prior to filling out online forms.

Life Insurance Quotes: How Much Does It Cost?

To get an accurate life insurance quote, many variables have to be assessed. Following are a few:

Age: The older you are, the more expensive it gets to purchase life insurance.

Amount of Policy: You can buy practically as much life insurance as you can afford. But, a $250,000 policy is going to cost more than a $25,000 policy.

Health: Many health factors are taken into account when you purchase life insurance (e.g., do you smoke, are you overweight, do you have a family history of certain diseases, etc.).

Safe: No investment is 100% risk free.

Do you travel, and if so, how frequently?

Basic plans usually do not provide coverage during trips lasting more than 9 days; if you want coverage for trips longer than 9 days, you should consider additional coverage.

Do you need prescription drug coverage?

Some plans offer more coverage for prescription drugs than others. If you do not take prescription medication on a regular basis, you would not need the same level of coverage as someone who takes prescription medication every day.

Do you need vision coverage?

Although you may deem that vision coverage is not required at the present time, you and/or your children and other members of your family may need glasses or eye contacts in the near future. If your present expense on vision care is already significant, a higher level of coverage may be appropriate.

Do you need a plan that includes dental coverage?

The level of dental coverage that you select should be based on you and/or your family’s current and future needs. If you only need dental coverage for routine visits, your level of coverage should be less than someone who requires major dental work or has children that will eventually need braces.

Do you anticipate that you will need coverage for serious illness, specialists, therapists, and/or medical equipment?

Someone that is relatively healthy, with no medical history of serious illness, will typically not require the same level of coverage as someone who is predisposed to illness, visits specialists regularly, or may need medical equipment such as a wheelchair.

What is a deductible as it relates to health insurance?

A deductible as it relates to health insurance is the maximum amount that you will be required to pay under your plan for covered services in one calendar year. Each time you disburse for medical purposes under your plan, those amounts are subtracted from your annual deductible. An annual deductible is meant to limit your out-of-pocket expense in the event of serious injury or unexpected illness.

Do you want a high deductible or a low deductible?

A higher deductible typically results in a lower monthly payment because you are absorbing more of the cost during the year if you become seriously injured or ill, while a lower deductible results in a higher monthly payment.