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Why personal life insurance?


Unlike a group life insurance plan, with your own personal individual life  insurance you’re covered for the entire term, and there’s no risk of losing your investment or your insurability in the event you lose your job.


We Can Review your current Life or your Long Term Care Policy for FREE in person or over the phone.


LEARN MORE

Life Insurance 

Life insurance is a financial tool that lets you meet your financial obligations in the event of your death. Among other things, it will:

  • Cover your funeral expenses
  • Cover your current mortgage debt owing to your bank
  • Cover your income taxes and debts after your death
  • Help maintain your beneficiaries’ standard of living
  • Leave an inheritance for your loved ones
  • Allow you to save money, because the insurance amount and savings accumulated are tax-free
  • Provide you with more income during retirement
  • Terminal Illness clause* - if diagnosed and you have 24 months left to live, your policy can release up to 50% of your death benefit to you. (if you qualify) 

* Supported by your doctor

Term Plans


Term Insurance covers short  term debts, including mortgage debt at affordable rates.


Pick-A-Term life insurance stands out from other coverage's on the market by allowing your clients to choose their coverage term, from 10 to 40 years.


Term 10,Term 20 or Term 25 insurance is a convenient, affordable solution. for temporary insurance needs related to specific life events such as:.

  • Cover your funeral expenses
  • Cover your income taxes and debts
  • Cover your current owing mortgage debt
  • Help maintain your beneficiaries’ standard of living
  • Leave money to your heirs


Whole Life  Plans


With permanent whole life insurance  you’ll have the peace of mind of knowing your family is covered.


You’ll not only benefit from fixed premiums but also a surrender value in the event your future plans exceed your past needs.


  • Secure your loved ones’ future
  • Plan for your retirement
  • Leave money to your heirs
  • Take the time needed to find a buyer after the death of a business partner

Available Guaranteed Level Premium Plans:

  •  to age 65
  •  to age 100

Why not combine both term and permanent? Ask me.


Guaranteed & Simplified issue life insurance Plans

Product for insureds between 6 months and 80 years of age who are more difficult to insure. By answering a few simple medical questions, clients can get permanent or 20-year term coverage of up to $300,000 depending on your health for either term or whole life coverage.

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If you have already been refused or who don’t qualify due to their health can still get Guaranteed coverage of up to $25,000, or $10,000 for children under age 18, for either term or whole life coverage.


* No Medical Required up to $500,000


Universal Life Plans


Universal Life - is a combination of permanent insurance and savings.


 It offers lifetime coverage and the opportunity to save with certain tax benefits with optional term and or critical illness riders attached.


Universal Life insurance policy is an indispensable financial tool for clients seeking flexible coverage combined with incomparable savings advantages.


It also offers a wide range of affordable insurance options and allows you to accumulate large amounts within a tax shelter and several distinct advantages in comparison to traditional non-registered investments.



THIS IS A DIRECT MESSAGE FROM YOUR LIFE  INSURANCE POLICY.

Hi my friend, did you know that YOU and I have similar purposes in this world?

It is YOUR job to provide food, clothing, shelter (rent or mortgage Payments), schooling, medicine, and other commitments to your loved ones. You do this while I lay asleep in your safe deposit box or in your home filing cabinet.


I have faith and trust and trust in you. Out of your hard earned earnings will come the cost of MY upkeep, at times I may appear insignificant to you – but someday ( and who knows when) you and I will change places.


When YOU are laid to rest, or get diagnosed with a life threatening illness, I will COME ALIVE to do your job. I will provide the food, clothing, shelter (rent or mortgage Payments), schooling, medicine and other things your family will continue to need – just as you are doing now.


When your work and labor are done, mine will begin. Through ME, YOUR hands will carry on.

Whenever you feel that the price you’re paying for my upkeep is burdensome, remember that I can do more for you and your family that you will ever do for me.


If you do your part, I WILL DO MINE.


Sincerely Yours,

Your Life and Critical Illness insurance Policy


Request an Online Quote so we can finalize all your insurance needs.

We are in the business of alleviating family financial burdens.

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Call 416.821.8050

or request  below for your online quote.

Have you been declined for life insurance? 


CPP has guaranteed issue plans.

 

You can apply on your own from any device.


Start your Application on your own by clicking here

Eligible individuals can apply online for up to a maximum of $750,000 of life insurance and may be quickly approved and covered.


 If you proceed to our online life insurance application and purchase an insurance policy John Rego, who is an independent insurance agent and will be assigned to your policy to provide you with any required after-sales service and advice about your policy.


 Additionally you may opt to discontinue the online application at any time and deal directly with your agent by calling 416-821-8050 or email [email protected]