Family Health Insurance
A private health insurance plan is the key to extending your personal medical coverage beyond the basic coverage of Canada’s Medicare system. As most people know, If you rely completely on provincial health insurance, you will discover how very quickly medical bills can pile up when you least expect it.
The provincial health care program is designed to offer residents access to basic medical services – no more, no less. There are many essential areas of health coverage that, for the most part, do not make the cut, including:
Prescribed medications
Routine dental care
Corrective vision care
Physical and psychological therapies
Emergency medical services when travelling abroad
are self-employed
work on contract or freelance
have little or no group health benefits at work
are losing your group health benefits at retirement
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Frequently Asked Questions
There’s no catch or “gotcha” moment with term life insurance products. It’s a straightforward, affordable type of insurance that maximizes the amount of financial protection you can purchase while sticking within your budget.
Almost all life insurance companies offer renewal options as one of the benefits of term life insurance policies. For example, if your term life policy is for 10 years, the coverage automatically renews at the end of the term for another 10 years, unless you specifically cancel your coverage. However, the renewal is subject to a higher premium (and many Canadians can still get approved for a lower premium by applying for brand new coverage).
Most companies allow for renewal of the policy up to a certain age, such as 70 or 75 years old. Once you reach that age, the policy can no longer be renewed and the coverage expires.
Most companies allow for renewal of the policy up to a certain age, such as 70 or 75 years old. Once you reach that age, the policy can no longer be renewed and the coverage expires.
Insure with Anza helps Canadians find the best life insurance policy for their needs. But let’s be frank. There is no best insurance provider. There is – however – the best insurance provider for you.
The country’s top insurance companies offer unique policies to fit every Canadian’s individual coverage needs. What helps is having the choice and knowledge to pick the policy and provider that’s right for your situation.
That’s why Insure with Anza partners with 20+ of Canada’s top insurance companies – the most by any online broker. We make sure you have the greatest number of options when choosing the insurance company to protect yourself and your loved ones. We can help you obtain a life insurance plan from Assumption Life, BMO Insurance, Canada Life, Canada Protection Plan, Desjardins, La Capitale, Empire Life, Equitable Life, Foresters, Humania, iA Group, ivari, Manulife, RBC, Sun Life, SSQ, and Wawanesa.
The country’s top insurance companies offer unique policies to fit every Canadian’s individual coverage needs. What helps is having the choice and knowledge to pick the policy and provider that’s right for your situation.
That’s why Insure with Anza partners with 20+ of Canada’s top insurance companies – the most by any online broker. We make sure you have the greatest number of options when choosing the insurance company to protect yourself and your loved ones. We can help you obtain a life insurance plan from Assumption Life, BMO Insurance, Canada Life, Canada Protection Plan, Desjardins, La Capitale, Empire Life, Equitable Life, Foresters, Humania, iA Group, ivari, Manulife, RBC, Sun Life, SSQ, and Wawanesa.
As mentioned above, the main factors by which all life insurance providers determine their premiums are age and health. Considering those criteria, the earlier you apply for life insurance coverage, the better! Applying while younger is also advantageous as it is less likely any health conditions have affected you, which would further drive up the cost of your premiums.
Learn more about when to get term life insurance
Learn more about when to get term life insurance
No, unlike permanent life insurance, term life insurance holds no cash value or surrender value. This is one of the reasons why term life insurance is less expensive than permanent life insurance options and a more cost-effective method of financial protection
No, you do not get any money back at the end of a term life insurance policy. Your coverage expires and you are no longer required to pay premiums. You can think of term life insurance as insurance that you lease for a temporary need, instead of paying extra to own the policy permanently.
A common rule of thumb is to choose 8-10 times your annual income as your death benefit. For a more precise answer, take into account any debts you have, your family's living expenses, future education needs of your children, plan for end-of-life expenses and any other allocations (for example, charitable donations) you may want to make. Head to PolicyAdvisor’s Life Insurance Calculator to get the most accurate estimate for your life insurance plan and needs.
Anyone with dependents or loved ones needs life insurance, but due to their circumstances single parents often bear a greater responsibility in the raising and protection of their children and that extends to life insurance and financial protection.
Yes, you can buy insurance for your loved ones but not without their consent or without their knowledge that their life is being insured. The only exception would be in the case of children below the age of consent where you are their legal guardian. In short, we’ll need to speak to anyone you intend to insure - including your loved ones.
Health problems don’t necessarily preclude someone from purchasing life insurance, but they will most likely affect the price of premiums. Depending on the nature of your ailment, when it was diagnosed, and how it currently affects your health, our experienced advisors can help review coverage options and match you with a life insurance company with policies tailored to your situation. Our in-house insurance advisors help our clients apply for simplified non-medical insurance policies or guaranteed non-medical insurance coverage, wherever those are the best options for clients. Our expert advice is available whenever you need it.
How long your term life insurance policy lasts should correlate with your life insurance needs.
A 30 year term life insurance policy can help cover a new mortgage. A 20 year term life insurance policy can provide financial security for a new family. A 10 year term life insurance policy can be used by a senior to cover final expenses or replace income for those they leave behind. You have the flexibility with online term life insurance to choose the length of policy you need, like those above, or other term lengths like 25 year term life insurance, 40 year term life insurance, or something in between.
A 30 year term life insurance policy can help cover a new mortgage. A 20 year term life insurance policy can provide financial security for a new family. A 10 year term life insurance policy can be used by a senior to cover final expenses or replace income for those they leave behind. You have the flexibility with online term life insurance to choose the length of policy you need, like those above, or other term lengths like 25 year term life insurance, 40 year term life insurance, or something in between.
Insure with Anza represents the most insurance carriers of any digital brokerage, and thus can ensure you find the lowest priced term life policy for your needs and budget. You can shop for rates from 25 of the country’s best life insurance companies.
This is an easy one. Click here to compare term life insurance rates and apply for the coverage you need in minutes!
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