Life Insurance Brampton

As a life insurance advisor, the goal is to provide the best coverage for the best price.

 This is done by assessing your current situation, creating the most efficient life insurance package and getting quotes from multiple life insurance companies resulting in a competitive rate. 

For a life insurance quote, contact Filip Ambroziak by calling (416) 803 – 2113, emailing filipa@pbnet.ca or completing the form below. It’s always best to schedule an appointment so that a full analysis can be made.

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The Right Life Coverage

Life insurance does not need to be complex. In Canada, there are many insurance companies that offer different products with a variety of different names. In order to simplify life insurance, I would like to explain the very basics. There are 2 types of life insurance policies; Term Life and Permanent Life. 

Term Life Insurance: Term insurance is the more basic policy of the two. The client selects the coverage amount (Ex. $1,000,000) and chooses the term (ex. 20 years). Based on the clients age, gender, health, etc., a premium is generated. If the insured were to pass away during the term, the beneficiary (the person/persons the money will go to) will receive the sum insured. 

Term life insurance is perfectly suited for young families who recently had children or purchased their first property. These families usually are in the growth phase of their life and have not yet accumulated a lot of assets. In this phase of life, the loss of an income earner can be disastrous. Term life policies are very affordable and can fit into most people’s budget. Policies can start for as little as $15.00 per month. 

Permanent Life Insurance: Permanent life policies are more complex and are generally more expensive. Like term insurance, a sum insured is chosen (Ex. $250,000) but a term is not selected because these policies continue until the insured passes away. Prices are also based on the sum chosen as well as the health, gender, age etc. of the client. 

Permanent life insurance is a great option for those who have accumulated more assets, have a higher net worth and have the income supported to cover the premiums. Permanent life insurance is commonly used as a estate planning tool.

If you have any questions or would like to speak to an insurance broker, please call Filip Ambroziak at (416) 803-2113 or email filipa@pbnet.ca.

Get a Life Insurance Quote

By submitting the form below, you will have a life insurance broker access your situation and provide the most accurate quote based on the information supplied. Most life insurance quotes can be completed in the same day, however the complex, non standard risk may take more time.

If you are looking for an update or prefer to contact us directly, you can do so at filipa@pbnet.ca or call us (416) 803-2113. Our brokerage is located at the heart of Mississauga at 250 Dundas St W. Unit 408.  

Life Insurance Companies

When working with a life insurance broker, one of the biggest advantages is the ability to quote with multiple life insurance companies. Each insurer may offer slightly different benefits and may have different underwriting requirements than another. 

Below you will find some of the largest and most popular life insurance companies in Brampton as well as all of Canada. 

manulife financial insurance company
canada life insurance company
industrial alliance life insurance company
equitable life insurance quote
wawanesa life insurance quote
ivari life insurance quote
desjardins life insurance quote
empire life insurance quote
la capital life insurance quote
CCP life insurance quote
foresters life insurance quotes