Life insurance can protect the financial security of the people you love by giving them a tax-free payment after you die. The amount and type of coverage you choose will depend on your circumstances and needs. The cost of life insurance you buy as an individual depends on your age, gender, health, medical history and lifestyle.

• Term life insurance is affordable, easy-to-understand coverage that gives you flexible protection.Your insurance costs will remain the same for a specific period of time (the "10 years, 20 Years or 30 years or 40 years term"), until it renews for another term. If you die while the policy is in effect, a tax-free payment will go to the beneficiary, who you name in the policy. And with most term policies, you can also convert your coverage to permanent insurance regardless of any changes to your health, occupation or lifestyle.
• Permanent life insurance is often called whole life insurance because it covers you for your whole life. It gives your beneficiaries a tax-free payment after you die. It also builds cash value over time. Permanent insurance costs are guaranteed and not to increase from the time you first buy the policy. The whole life insurance plans also come with an option that allows to pay for a limited time and then the policy is paid for the whole life. Universal life and participating life are other forms of permanent life insurance that you may want to consider.
• Participating life insurance provides a combination of permanent life insurance (whole life insurance) protection and an opportunity for tax-preferred cash value growth. The base insurance protection is guaranteed for life, as long as you pay the premiums on time.
  The policy is also eligible to receive dividend payments, which you can use to buy additional coverage or reduce your annual premium. You can also leave them on deposit to earn interest or take them in cash.
• Universal life insurance is an all-in-one way to get the protection you need and build your savings. The policy combines permanent life insurance protection for lifelong peace of mind with a broad range of investment account options for tax-preferred savings growth. You choose a guaranteed death benefit for your beneficiaries and the payments you make above the cost of insurance can grow in a tax-preferred savings account. Or you can use them to increase the amount of your death benefit. Universal life can have a YRT (yearly renewable term) or a Level premium as cost of insurance. The Cash Value accumulate over time and can be used to supplement the retirement income.

What is No Medical Exam Life Insurance?

No medical Life Insurance as name signifies Life insurance without medical examination ie. no blood work, no needle tests or urine sample or no medical results from doctor. If you have any of these health conditions, we can insure you:

You can buy Term Life insurance or Whole Life Insurance without seeing any nurse or doctor. Who are good candidate for this option?

If you have health conditions and have tried with medical underwritten insurance plan, where insurance company has declined you, then this could be good option as its better to have some coverage than nothing, it has its own advantages and disadvantages.

Best way to go about it, if you have some health conditions and see a possibility of getting declined: talk to us; just fill this form on screen and one of our licensed Life Insurance broker will provide you caring and professional advice.

We would complete three applications for you, one no medical Life insurance application and other two medical underwritten one, if the medical underwritten goes through then we can cancel the no medical insurance plan, if it gets decline, we still have the non-medical Life insurance plan placed for you.