life-insurance

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What is Life Insurance?

Life insurance is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money in exchange for a premium, upon the death of an insured person.

 

Who should consider Life Insurance?

If you only need insurance for a specific period of time (say, when your kids are growing up or for the length of your mortgage), then consider term. If, however, you need life insurance for as long as you live (for things like burial expenses or income replacement for a spouse), consider permanent coverage.

 

Benefits of Life Insurance

Life insurance provides an infusion of cash for dealing with the adverse financial consequences of the insured’s death. Life insurance enjoys favorable tax treatment unlike any other financial instrument. Death benefits are generally income-tax-free to the beneficiary.

Types of Life Insurance Policies for your benefit

1. Term Insurance

2.Permanent Insurance

3.Universal life insurance

Term Insurance

Term life insurance provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions.

Permanent Insurance

Permanent life insurance is an umbrella term for life insurance policies that do not expire. It combines a death benefit with a savings portion. It is guaranteed to remain in force for the insured’s entire lifetime, provided required premiums are paid, or to the maturity date.

Universal life insurance

Universal life insurance is a type of cash value life insurance, sold primarily in the United States. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy, which is credited each month with interest.

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Peace of Mind

Insurance Company has been serve protecting businesses, mitigating.

Set for Life

Set for Life

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Tailored Cover

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          Maria Marlin Retired Govt Officer, ON, Canada

          Very helpful fully explaining the different plans. Cash value is accessed via loans, which accrue interest and reduce cash value our valuable items.

          Client Logo
          Maria Marlin Retired Govt Officer, ON, Canada

          Very helpful fully explaining the different plans. Cash value is accessed via loans, which accrue interest and reduce cash value our valuable items.

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          Protecting businesses place great weight on lots of things. But what we don’t really seem.

          Protecting businesses place great weight on lots of things. But what we don’t really seem.

          Protecting businesses place great weight on lots of things. But what we don’t really seem.

          Protecting businesses place great weight on lots of things. But what we don’t really seem.

          Protecting businesses place great weight on lots of things. But what we don’t really seem.

          Protecting businesses place great weight on lots of things. But what we don’t really seem.