Life Insurance Broker & Wealth Management
Simplified Term Life Insurance
Coverage:
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Insurance amount of up to $500,000
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Terms of 10 or 20 years
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Fixed premiums
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Renewable and convertible
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Extreme disability benefit included
Clientele:
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In good health
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Aged between 18 and 70
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Looking for simple temporary coverage without additional benefits
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Preferring a remote purchasing method with no medical exam
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Wanting to be insured right away
Simplified Whole Life Insurance
Coverage:
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Insurance amount of up to $249,999
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Reduced paid-up coverage as of the 6th year
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No cash surrender value
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Extreme disability benefit included
Clientele:
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In good health (list of questions)
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Aged between 18 and 80
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Looking for simple lifetime coverage without additional benefits
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Preferring a remote purchasing method with no medical exam
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Wanting to be insured right away
Guaranteed Issue Whole Life Insurance
Coverage:
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Insurance amount of up to $50,000
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Reduced paid-up coverage as of the 5th year
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Waiting period of 2 years in the event of non-accidental death
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No cash surrender value
Clientele:
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In poorer health or who’ve been declined for traditional whole life insurance
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Aged between 18 and 80, but especially older clients who are more difficult to insure
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Looking for simple basic lifetime coverage without additional benefits (i.e., to cover funeral expenses)
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Preferring a remote purchasing method with no medical exam