Life Insurance Etobicoke

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 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 is a complex topic. There are many advisers and just as many opinions on what coverage is best. In order to make the most informed decision, I would like to simplify the two most popular policies: Term life and whole life insurance. 

Term Life Insurance: The is the most popular of the two policy types. It is a fantastic starter policy because its simple and affordable. The client will first select the sum insured (Ex $1,000,000) and choose the term they would like coverage for (ex 20 years). If the client were to pass away during the term, the sum insured would be paid out to their beneficiary (person/persons selected to receive the amount). 

Term life insurance is ideal for younger families who’s budget for life insurance might be small and have larger overall expenses. If one of the income earners were to pass away, it would leave the surviving family in financial hardship. For young and healthy clients, term life insurance can start at as little as $15.00 a month. Most term policies are both convertible and renewable meaning they can switch it to a whole life policy during the term or renew it for another term at a new price.

Whole Life Insurance: This is the more expensive coverage of the two because as the name implies, its for the clients whole life. The client would select a sum insured (Ex. $150,000) but would not select a term. Instead they select a payment period such as 20 years. Once the client is done paying the 20 years of premiums, the coverage is maintained till end of life. 

Whole life insurance is commonly used as an estate planning tool for more established families with a higher net worth and more assets. Usually the children are no longer completely dependent on the parents and the policy amount can be reduced in order to pass down a guaranteed legacy. Whole life insurance is usually about 10x the price of term life insurance.

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

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 Etobicoke 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