Life Insurance Scarborough
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 email@example.com 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 can be complicated. With so many endorsements and coverage options, many people end up with either too much or too little coverage. I would like to explain the two most common types of life insurance policies (Term Life and Permanent Life) and who they are best suited for.
Term Life Insurance: This is a basic life insurance policy. You select the sum which you would like covered (Ex. $1,000,000) and you select how long you would like to be covered for (Ex. 20 years). If you were to pass away within the term, your beneficiary (person or people selected to receive the sum) will receive the covered amount. Pricing for these policies depends on your coverage, term and personal details (age, health, gender, etc.).
Term life insurance is ideal for young families who are just starting to build up their net worth or recently had a child. A term policy will cover your family during your prime working years and is very affordable. A term life insurance policy can start at as little as $15.00 per month.
Permanent Life Insurance: This will be a costlier policy because as the name implies, it is permanent. When purchasing this policy, you select a sum you would like covered (Ex. $500,000) but you do not select a term. This policy continues until the client passes away.
This policy is perfectly suited for clients with a larger net worth and more assets. Many people use permanent life insurance as an estate planning tool to help pass down as much of their assets to their children as possible. When compared to a term life insurance policy with the same sum, a permanent policy will be about ten times the price of the term policy.
If you have any questions or would like to speak to an insurance broker, please call Filip Ambroziak at (416) 803-2113 or email firstname.lastname@example.org.
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 email@example.com or call us (416) 803-2113. Our brokerage is located at the heart of Mississauga at 250 Dundas St W. Unit 408.