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Life Insurance

Life insurance is bought for the people who depend on your income. We calculate the amount that would actually replace it, then find the structure that delivers it affordably.

Life Insurance coverage explained by Policy Holder Cover
Life Insurance

What we arrange for you

Term, whole and universal life policies sized to your mortgage, income replacement and long-term legacy goals.

  • 10, 15, 20 and 30 year level term options
  • Whole life with guaranteed cash value growth
  • Indexed and variable universal life structures
  • Living benefit and chronic illness riders
  • Business buy-sell and key person coverage
  • Conversion of existing term policies without new underwriting
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In Detail

Understanding your life insurance cover

The points our advisors walk through before recommending a life insurance policy.

Sizing the benefit properly

A useful starting point is annual income multiplied by the number of years your dependants would need support, plus outstanding mortgage balance, plus education funding, minus existing assets and group coverage. Group life through an employer is convenient but it is usually one to two times salary and it disappears when you change jobs. A personally owned policy stays with you regardless of where you work.

Term versus permanent, honestly compared

Term life is straightforward: you pay for protection during a defined period, and it is dramatically cheaper per dollar of coverage. Whole and universal life add a cash value component and lifelong protection, which can suit estate planning, business succession or families with lifelong dependants. We will tell you plainly when term alone answers the problem, because for most households it does.

Underwriting is where the savings are

Two carriers can quote the same healthy applicant at very different prices depending on how they treat blood pressure readings, body mass index, family history, driving records and nicotine use. Shopping multiple carriers with the same application is often worth more than any product feature. If health has changed, some carriers also offer conversion or no-exam options worth exploring.

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Get your life insurance quote

Tell us a little about what you want to protect and a licensed advisor will come back with comparable options from our carrier panel.

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Response within one business day

Most quote requests are answered the same working day.

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Your details stay private

We never sell or share your information. See our privacy policy.

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No quote fees, ever

Reviews, audits and comparisons are free of charge.

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Send us your current declarations page and we will benchmark it against 32 carriers — free, with no obligation to switch.

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