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 352 reviews from ★★★★★ 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 Steinberg ★★★★★ We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.Kathy CastleKathy Castle ★★★★★ It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.Tom BrailsfordTom Brailsford ★★★★★ I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks UmmiJeff LangJeff Lang ★★★★★ We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,Heinz KriegerHeinz Krieger ★★★★★ Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.Milos RudolfMilos Rudolf ★★★★★ Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.Tracy HastingsTracy Hastings ★★★★★ I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.Lise BeaulneLise Beaulne ★★★★★ Ummi. was very helpful and pleasant. Billwilliam rockwilliam rock ★★★★★ Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.Danny ChinDanny Chin ★★★★★ My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.Stephanie RumbleStephanie Rumble ★★★★★ Eric and Bob were both extremely helpful and attentive to my needs.Paul CodyPaul Cody ★★★★★ Teresa was great. Addressed all my concerns.Robert CarterRobert Carter ★★★★★ The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.Simin MeshginnafasSimin Meshginnafas ★★★★★ I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍Mark EngelMark Engel ★★★★★ Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .Michael BoudreauMichael Boudreau ★★★★★ Excellent service by Eric Clementi and Ryanmargaret burnsmargaret burns ★★★★★ Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.Bonnie SmithBonnie Smith ★★★★★ Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.Marsha RisserMarsha Risser ★★★★★ I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.Marilee Van BuskirkMarilee Van Buskirk ★★★★★ It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.Mohinder BangaMohinder Banga ★★★★★ I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!Bruce YeeBruce Yee ★★★★★ Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!Beverley HowickBeverley Howick ★★★★★ Eric Clementi is the manYunus PatelYunus Patel ★★★★★ I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.Muhammad KoyaMuhammad Koyajs_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.

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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, 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, 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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4.8 Stars