Guaranteed Life Insurance

Guaranteed life insurance provides coverage without the need for medical exams, ensuring acceptance regardless of health conditions. It offers financial protection and peace of mind for your loved ones, covering end-of-life expenses and outstanding debts.

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4.8 Stars
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Our Reviews

Excellent4.8 Based on 380 reviews from ★★★★★ Spoke with Artmiz. Very knowledgeable and very professional. Answered all my questions.Would highly recommend her to family and friends...actually, I already did and my friend was very pleased with the service she receivedPam SinghPam Singh ★★★★★ My dealings with both Adam and Theresa were handled in a professional prompt manner giving me confidence in Alliance. I hope never to have the need to use my coverage, but I would hope that the experience would be as good.Eklove ShatnerEklove Shatner ★★★★★ Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!Stephen J. RushfordStephen J. Rushford ★★★★★ Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.Joanne HuntJoanne Hunt ★★★★★ Artmiz was capable, responsive and punctual. A good experience!Geoff StilesGeoff Stiles ★★★★★ Once again Ummi has provided an economical rate and stress free service for my snowbird health insurance. Strongly recommend for price and revive many thanksElizabeth BastableElizabeth Bastable ★★★★★ Theresa helped me get medical insurance for my upcoming trips. She explained everything in detail making it an easy for me to make the decision!christine Foxchristine Fox ★★★★★ Theresa Hauser provided excellent service - clear information and great support regarding travel insurance- both cancellation and interruption.Don WagnerDon Wagner ★★★★★ Theresa was very helpful & answered all my questions. Very efficient & I received all the documents & information within minutes. Thank you TheresaIrene HartlIrene Hartl ★★★★★ Quick and efficient process and very good, pleasant exchange with agent Theresa HeuserRandy KlattRandy Klatt ★★★★★ Theresa is very helpful and efficient. I get all my insurance needs done seamlessly by this company.Maria Cecilia Danganan-LandichoMaria Cecilia Danganan-Landicho ★★★★★ Artmiz Namazi was a very nice person to deal with. She went far and beyond to help me to have the best deal. She understood my problem and made sure I knew it was solved. I will greatly recommend her to anyone searching for emergency travel insurance.Catherine PoplawskiCatherine Poplawski ★★★★★ Theresa Heuser helped me with buying travel insurance today. She was amazing!! The process was fast and painless. I always find buying our travel insurance to be one of the most stressful things in getting ready to travel. Thank you Theresa for making it so easy for me.Pat and Art ThorrougoodPat and Art Thorrougood ★★★★★ Theresa was prompt at replying, answering all my questions and very friendly and pleasant to deal with. She is an asset to your company.Yvonne FjaagesundYvonne Fjaagesund ★★★★★ Great experience. Theresa Heuser And Sabrina Izdiher helped me with everything. Very helpful and awesome customer serviceGurasisGurasis ★★★★★ Great professional quick service!Colleen Van HornColleen Van Horn ★★★★★ It was good, customer service and the client dealing is best and also they get you good deals.Ahtsham SaifAhtsham Saif ★★★★★ Theresa was very clear and helpful with our travel insurance questions.Gabriella KleinGabriella Klein ★★★★★ Theresa was very helpful and professional in all our dealings! Would recommend her highly.Joyce SchaafJoyce Schaaf ★★★★☆ Theresa was very efficient, friendly and patient.Sandra PerrinSandra Perrin ★★★★★ Artmiz Namazi was an excellent person to deal with. She was very knowledgable and gave me excellent advice. Her quick response to my inquiries on line and over the phone were great. She was extremely helpful and friendly and gave 5 star service.The price for the insurance I needed was also excellent. Thanks ArtmizFran SmythFran Smyth ★★★★★ Excellent product at a cheaper price than other providers.Dale CrawfordDale Crawford ★★★★★ Brilliant and professional support given by Artmiz. Very happy with our Travel Insurance Policy. Thank youSabir ParvaizSabir Parvaiz ★★★★★ I am So glad and happy to have the agent name Ummi to assisted me purchase our travel insurance, very pleasant and helpful. Introduced her to my friends, they were happy with the service too. Thanks Ummi. For sure will looking for you at next travel time.Van TranVan Tran ★★★★★ Great people & service.Dave GobellDave Gobell ★★★★★ Great job, knowledgeable, very patient and tried her best to help me. Thanks Ummi for excellent customer serviceRazijaRazija ★★★★★ Artmiz was very pleasant and efficient to deal with. She was prompt in her replies, and in answering any other questions we had. Her travel insurance pricing was the best that we found,Jean BamfordJean Bamford ★★★★★ Artmiz was totally great!! She is so pleasant, efficient and she gave us the best price and advice!! It was a pleasure to work with her.Ian BamfordIan Bamford ★★★★★ Very good. LovelyDonna KeenanDonna Keenan ★★★★★ Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.catherine onishicatherine onishi ★★★★★ Ummi is always helpful and professional. She has been helping our family for all travel insurance over the past years.MargieMargie ★★★★★ Ummi is courteous and professional. Good job!Rod SetoRod Seto ★★★★★ Artmiz was very pleasant and helpful in providing the coverage needed for my trip.John CliffordJohn Clifford ★★★★★ Nice Dealing And Nice Explanation…Harman BasraHarman Basra ★★★★☆ I want to let everyone know that when you buy your insurance from Alliance, buy it from Dornaz. I have had 2 separate policies through her and can't say enough about her thoroughness, knowledge of the product and her customer service. It was pleasure dealing with her.Nola DyckNola Dyck ★★★★★ Great customer serviceJennifer PhillipsJennifer Phillips ★★★★★ I had a very good experience with Dornaz. She was very helpful and got my policy together quickly. I will certainly recommend her to my friends.Steve StaplesSteve Staples ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinbergjs_loader
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Shopping for Guaranteed Life Insurance? We Can Help!

We make finding the right insurance coverage fast and simple by connecting you with the best insurance providers in Canada.

Browse options, compare rates, and save more on HealthRates.ca.

Understanding Guaranteed Life Insurance

Guaranteed Life Insurance is a type of coverage that provides peace of mind to Canadians by offering guaranteed acceptance regardless of your health status. Unlike other insurance policies that may require medical exams or detailed health questionnaires, guaranteed life insurance ensures that you’re covered without any such hurdles.

Key Benefits

Having a guaranteed life insurance in Canada offers several key benefits:

Lifetime Protection:

With guaranteed life insurance, you enjoy coverage for your entire life. Whether you live to a ripe old age or face unexpected health challenges, your policy remains in force, providing ongoing financial security for your loved ones.

Simplified Application Process:

Applying for this type of insurance is straightforward. There’s no need to undergo medical tests or answer extensive health-related queries. The simplicity of the application process makes it accessible to a wide range of individuals.

Locked-in Premiums:

Predictability matters when it comes to financial planning. Guaranteed life insurance offers stable premiums that remain level throughout your lifetime. You won’t experience sudden premium increases, allowing you to budget effectively.

Tax-Free Lump Sum:

When you pass away, your beneficiaries receive a tax-free payout. You can choose a coverage amount between $5,000 and $25,000, ensuring that your loved ones have financial support during a difficult time.

Compassionate Advance Living Benefit:

After maintaining active coverage for at least two years, you have the option to receive 50% of the death benefit in advance if you’re diagnosed with a terminal illness. The remaining 50% still goes to your beneficiary upon your passing.

Accidental Death Benefit:

Once you’ve been covered for more than two years, the policy includes an accidental death benefit. In the unfortunate event of an accidental death, the benefit amount is five times the regular death benefit.

Tips for Saving Money on Guaranteed Life Insurance

At HealthRates.ca, our mission is to assist you in optimizing your savings. The most effective strategy for cost savings in getting guaranteed life insurance involves comparing rates from various providers. However, this task can be time-consuming. Fortunately, HealthRates.ca streamlines the process by evaluating rates from major Canadian insurers through our online quote request feature. This ensures that you effortlessly receive the best options available. Additionally, we’ve outlined straightforward methods to help you save more money on guaranteed life insurance:

Compare Premiums:

  • Why: Insurance providers offer different premiums for the same coverage. By comparing rates, you can find the most cost-effective option.
  • How: Obtain quotes from multiple insurers using online tools or an insurance broker. Consider policy features, riders, and the company’s financial stability.

Know Your Options:

  • Simplified Issue: No medical exam, just a few health-related questions. Typically covers up to $150,000.
  • Guaranteed Issue: No exam or health questions, available to everyone with coverage limits around $25,000.

Work with an Expert:

  • Independent brokers understand the hard-to-insure market and can guide you.
  • Stay informed as carriers update their products.

Explore Fully Underwritten Plans:

  • Preliminary inquiries help determine eligibility.

Consider Obesity Factors:

  • Insurers have varying build tables—factor this in when choosing a plan.

Watch for the 2-Year Waiting Period:

  • Some no medical plans limit payouts during the first 2 years (except for accidental death).

FAQ’s – Guaranteed Life Insurance

Learn more about Guaranteed Life Insurance with our FAQ section. Get answers to common questions about coverage, benefits, and more.

Guaranteed Life Insurance is coverage that doesn’t depend on your health. As long as you fall within the specified age range, you’ll be approved for a policy without a medical exam or health questionnaire.

Typically available to individuals aged 50 to 85, Guaranteed Life Insurance caters to those who may struggle to obtain traditional life insurance due to health issues.

Applicants are guaranteed acceptance regardless of their health condition. Premiums are usually fixed based on factors like age and gender. Upon the insured individual’s death, beneficiaries receive the full death benefit.

While it offers guaranteed acceptance, coverage amounts are often limited, and premiums may be higher compared to traditional policies. Additionally, there’s usually a waiting period before the full death benefit becomes payable, typically one to two years from policy inception.

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