Life Insurance Markham

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 is used to financially protect your loved ones through a tax-free payment should you pass away. In an effort to simplify the coverage decisions, only two of the most common policies will be explained: Term life insurance and Whole life insurance.

Term Life Insurance: Term life is by far the most commonly purchased life insurance policy due to its affordable pricing and high coverage. The insured would first select the term (years the policy will be in effect). A common choice would be 20 years. The client than selects the amount covered (Ex $1,000,000). Based on that information along with personal details and health history, a premium is calculated. If the client passes away within the term, the beneficiary (person selected for the payout) will receive the sum tax free. 

Who this is ideal for: Term life insurance is an excellent choice for young families with a tighter budget and high expenses. If one of the income earners in the family were to pass away, the family may have some very serious financial issues. The policies are also much more affordable for younger people and can fit into most budgets.

Whole Life Insurance: Whole life is a form of permanent life insurance and as the name implies, is for the insured entire life. The client would not be selecting a term but would still select the sum (Ex. $200,000). As long as premiums are paid, coverage lasts forever. There are many ways premium can be paid as well. Generally, a 20-pay option is popular. This would mean you pay the premium for 20 years, and after that, you are done paying while the life insurance still continues.

Who this is ideal for: Whole life insurance is a great choice for more established families with more assets and a larger net-worth. Whole life policies are more expensive than term life and are commonly used as estate planning tools.

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 Markham 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