Your Occupation And Hobbies
If you have a dangerous occupation such as a firefighter, or engage in potentially dangerous activities like certain sports, this can affect your eligibility for life insurance as well as your premiums. When you put your life in danger either at work or at play, the insurance company sees a higher risk of paying out on the policy. In some cases they may deny you altogether simply based on the activities you engage in regularly.
These are some of the major factors leading to insurance company decisions regarding life insurance premiums and whether or not you qualify. Some of them can't be changed, while others can—and you should take them all into consideration if you want to get the best rate on your policy.
Life Insurance Quote - Ontario
Ontario 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.
Ontario 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.
Ontario 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.
Ontario 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
Simply fill the form and we would make this process much simpler and easier for you to go through and get the best option or offer available in the Insurance industry market.
Yes, I want my FREE, No Obligation Quote
16 Yrs 17 Yrs 18 Yrs 19 Yrs 20 Yrs 21 Yrs 22 Yrs 23 Yrs 24 Yrs 25 Yrs 26 Yrs 27 Yrs 28 Yrs 29 Yrs 30 Yrs 31 Yrs 32 Yrs 33 Yrs 34 Yrs 35 Yrs 36 Yrs 37 Yrs 38 Yrs 39 Yrs 40 Yrs 41 Yrs 42 Yrs 43 Yrs 44 Yrs 45 Yrs 46 Yrs 47 Yrs 48 Yrs 49 Yrs 50 Yrs 51 Yrs 52 Yrs 53 Yrs 54 Yrs 55 Yrs 56 Yrs 57 Yrs 58 Yrs 59 Yrs 60 Yrs 61 Yrs 62 Yrs 63 Yrs 64 Yrs 65 Yrs 66 Yrs 67 Yrs 68 Yrs 69 Yrs 70 Yrs 71 Yrs 72 Yrs 73 Yrs 74 Yrs 75 Yrs 76 Yrs 77 Yrs 78 Yrs 79 Yrs 80 Yrs zzz
Smoker Status: *
Health Status: * Poor
Coverage Amount :
Critical Illness/Disability Insurance
Medical Health Conditions/
Tips and FAQ's
Life Insurance options for health conditions like Cancer
Mortgage Insurance from bank vs Life Insurance companies
When to buy life insurance
Steps to follow when buying life insurance that always work in interest of client
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
Factors Affecting Life Insurance
Your Age - The older you are, the more you will pay for life insurance. When you take out a policy at a younger age, the company expects that you will be paying the premiums for a much longer time period, and therefore your monthly payments will be smaller. The older you get, the shorter the time period during which they can expect to receive payments from you. This means they will increase the premiums accordingly. Your age also has an impact on your health. The older you are the more likely it becomes that you will develop a serious health condition that could make it even more likely the company will pay out on the policy.
Your Health - Everything about your health will be taken into consideration when you apply for a policy. Most companies will require at least a questionnaire filled out, if not a visit from a doctor or nurse to check up on your overall health. This includes things like your weight to height ratio to determine if you are over weight, blood tests to check cholesterol and look for serious illness, and some times more. They will ask about your lifestyle as well as smoking, drug, and alcohol use. Even what seems like a minor health issue can result in a higher premium amount, because it could develop into something more serious later on.