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Balancing Protection And Investments
Life insurance can certainly be more than just a financial security blanket for your family; it can also be a wise investment opportunity. In selecting life insurance there are, in general, two different types to consider—term and permanent. Term life insurance is a good choice if you are young and have a family. It can offer you the maximum protection for the lowest premium but, as the name suggests, the insurance is only valid for the term of the policy, at which point it expires. Permanent life insurance, on the other hand, offers you protection for life and usually gives you a return on your investment in the form of a cash value on the policy. While the premiums on a permanent life insurance policy will be higher than a term policy, it may be a better choice for long-term protection.
Life Insurance Quote - British Columbia
BC Term Life Insurance – Lowest Premiums
Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time for example Term- 10, Term-20, Term 30, Term 40 are insurance policies with level or same premiums for 10 years, 20 years, 30 years and 40 years respectively. After that period expires coverage at the previous rate of premiums is no longer available and you must either forgo coverage or potentially obtain further coverage with increased premium payments. If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
In simple words term life insurance policy pays a monetary benefit to the named beneficiary if the death of the insured happens during the term of the policy. Term life insurance is the most inexpensive way to insure or cover yourself and protect your family or loved ones against financial hardships in the event of untimely passing away.
BC Mortgage Insurance – Save up to 30%
The objective of our Mortgage Protection Insurance coverage is to enable you to avoid leaving a significant debt for your surviving spouse and children. This plan enables your loved ones to keep the house and all the benefits associated with it, rather than having to sell up, in the event of your death prior to repayment of the mortgage loan.
BC Funeral Insurance – Plans from $15 per month
Funeral insurance protects your loved ones by covering the costs of the burial or cremation and service. Most funeral insurance policies range between $5000 and $25,000 in value and are available to persons up to age 90, so it never becomes too late to start life insurance plan, earlier the better as your good health and young age can get you lower premiums, which never change over the years and cover you till you live.
BC No Medical 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:
Cancer | Heart attack | Stroke | High Blood Pressure | Cholesterol |Diabetes – Insulin | Hepatitis B | Hepatitis C | Cirrhosis | Kidney disease | Bypass surgery | Dementia | Depression | COPD | Respiratory condition | Declined by other Life Insurance |MS (Multiple Sclerosis) | Angina |Hemophilia | Thrombocytopenia or serious Anemia
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Tips and FAQ's
Term Policy coming up for renewal
Mortgage Insurance from bank vs Life Insurance companies
When to buy life insurance
Life Insurance options for health conditions like Cancer
Tips for savings when applying life insurance policy
I am declined for life insurance what are my options
Disability Insurance vs Critical Illness
Should I buy term insurance or permanent insurance
Life Insurance And Major Life Changes
While life insurance can seem like a once-in-a -lifetime decision, there are a number of life events that should cause you to take another look at your life insurance policy to see if it is still right for you and your family. So what should your life insurance policy do for you and your loved ones, and what life events should make you re-evaluate whether your life insurance policy is still right for you?
Do You Need Life Insurance Now?
Deciding whether or not you need life insurance depends largely on your age and your personal situation. If you have children or a spouse, having life insurance, no matter what your age, is important to ensure that they are cared for should anything happen to you. If, however, you are not married or do not have children, do you still need life insurance? One thing to consider is whether or not you have any family or other people who rely on you financially, such as your parents. Another consideration is your age. It is considerably cheaper to purchase life insurance at a younger age, so if you plan on having a family in the future it may be wise to give yourself the best protection at the lowest rate.