Life Insurance Oakville

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

When looking for life insurance, you will find a wealth of information online and a lot of it can confuse you. It’s always best to speak to a licensed insurance adviser. 

There are two main types of life insurance. Term life and permanent life. Both policies have their pros and cons and selecting it is all based on your current situation and budget.

Term life insurance offers a lump sum of money if the life insured were to pass away in the term purchased. If you purchase a $1,000,000 for a 20 year term and pass away after 15 years, your beneficiary will receive a $1,000,000 payout. This is an excellent policy for young families or couples because the coverage is very high and the premiums are very reasonable. A term life insurance policy covering $1,000,000 for a 30 year old healthy female can cost as little as $35 per month. 

It’s a great policy for young families because they likely have large expenses, new mortgages, kids and very little assets. If one of the main income earners were to pass away, the surviving partner will have a very difficult time maintaining their current standard of living. In some cases, once the mortgage is up for renewal, the surviving partner may not qualify to continue. 

Permanent life insurance policies are a more premium policy because they are a guaranteed payment as long as premiums are paid. There is no set term with permanent life insurance, it provides a lump sum payout once the life insured passes away. There are two types: Universal and Whole Life. Each has its benefits but we will keep it simple for now.

Since these policies are “forever” they are much more costly. There are also many payment options. An example is a whole life policy with a 20 pay period. This means that you pay your premiums for the next 20 years, and once you are done, the policy remains in force forever. Certain permanent life insurance policies can include a “cash back” option so that if the need arises, you can pull out your money from your life insurance policy with interest added. 

If you have any questions at all or would like to get a quick quote, please contact Filip Ambroziak at (416) 803-2113 or email filipa@pobnet.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 Oakville 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