Life Insurance Etobicoke
Get the best life insurance rates from Canada's largest life insurance companies! Speak to Filip Ambroziak by calling (416) 803-2113 or emailing filipa@pbnet.ca. Term life insurance starts at as little as $25.00 a month for up to $1,000,000 coverage!
Let find you some good rates!
Get a Life Insurance Quote
Life Insurance Etobicoke
As a life insurance advisor, the goal is to provide the best coverage for the best price.
This is done by assessing your current situation, creating the most efficient life insurance package and getting quotes from multiple life insurance companies resulting in a competitive rate. Term life insurance policies start at as little as $25.00 per month for up to $1,000,000 coverage!
For a life insurance quote, contact Filip Ambroziak by calling (416) 803 – 2113, emailing filipa@pbnet.ca or completing the form below. It’s always best to schedule an appointment so that a full analysis can be made.
Etobicoke Life Insurance Online.
That’s right, you don’t ever have to leave your home! Quotes, applications and policies all done online through your broker.
How an Etobicoke Life Insurance Broker Can Help You!
Keep these three tips in mind when purchasing a life insurance policy.
01
Multiple Companies
As a licensed life insurance broker, we have access to many insurance companies and check the best rates for you.
02
Coverage
Life insurance isn’t just about price, as a broker, our goal is to get the best coverage for your situation.
03
Qualification
As experienced life insurance brokers, we understand how a company qualifies clients and can help you find the right fit.
Contact Us
- Serving Etobicoke and all of Toronto!
- Monday - Friday: 10:00am - 5:00pm
- (416) 803-2113
- (905) 366-0066
- filipa@pbnet.ca
Life Insurance Questions You Should Ask
Here are a few more questions to ask yourself when deciding if its time for life insurance:
Do I want to create a legacy for my children? Do I own a business? Is my work considered hazardous or high risk?
Do I have a mortgage? Can I afford mortgage payments without the income of my loved one?
If any of those situations apply to you, it may be a good time to look into a life insurance product. You can always start with an inexpensive term insurance policy and upgrade it later as your budget increases.
If you plan to have a mortgage, family etc. in the future, its a great idea to look into life insurance when you are young.
You can save a lot of money on the same life insurance product if you start early.
Contact Filip Ambroziak at filipa@pbnet.ca or by calling (416) 803 – 2113.
The Right Life Insurance Coverage
Life insurance is a complex topic. There are many advisers and just as many opinions on what coverage is best. In order to make the most informed decision, I would like to simplify the two most popular policies: Term life and whole life insurance.
Term Life Insurance: The is the most popular of the two policy types. It is a fantastic starter policy because its simple and affordable. The client will first select the sum insured (Ex $1,000,000) and choose the term they would like coverage for (ex 20 years). If the client were to pass away during the term, the sum insured would be paid out to their beneficiary (person/persons selected to receive the amount).
Term life insurance is ideal for younger families who’s budget for life insurance might be small and have larger overall expenses. If one of the income earners were to pass away, it would leave the surviving family in financial hardship. For young and healthy clients, term life insurance can start at as little as $15.00 a month. Most term policies are both convertible and renewable meaning they can switch it to a whole life policy during the term or renew it for another term at a new price.
Whole Life Insurance: This is the more expensive coverage of the two because as the name implies, its for the clients whole life. The client would select a sum insured (Ex. $150,000) but would not select a term. Instead they select a payment period such as 20 years. Once the client is done paying the 20 years of premiums, the coverage is maintained till end of life.
Whole life insurance is commonly used as an estate planning tool for more established families with a higher net worth and more assets. Usually the children are no longer completely dependent on the parents and the policy amount can be reduced in order to pass down a guaranteed legacy. Whole life insurance is usually about 10x the price of term life insurance.
If you have any questions or would like to speak to an insurance broker, please call Filip Ambroziak at (416) 803-2113 or email filipa@pbnet.ca.
Life Insurance Companies
When working with an Etobicoke life insurance broker, one of the biggest advantages is the ability to quote with multiple life insurance companies. Each insurer may offer slightly different benefits and may have different underwriting requirements than another.
Below you will find some of the largest and most popular life insurance companies in Etobicoke as well as all of Canada.
