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Get Affordable Permanent Life Insurance | Canada

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Permanent life insurance provides guaranteed security—once you’re covered, you’re covered for life. This is ideal coverage for when you're young and healthy because enrollment rates are guaranteed. Many also choose whole life insurance later in life when the children are grown, the mortgage is paid and retirement is on the horizon.

Permanent insurance provides lifelong protection, and the ability to accumulate cash value on a tax-deferred basis. Unlike term insurance, a permanent insurance policy will remain in force for as long as you continue to pay your premiums. Because these policies are designed and priced for you to keep over a long period of time, this may be the wrong type of insurance for you if you don’t have a long-term need for life insurance coverage.

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Best Permanent Life Insurance Rates

Why would someone need coverage for an extended period of time? Because contrary to what a lot of people think, the need for life insurance often persists long after the kids have graduated college or the mortgage has been paid off. If you died the day after your youngest child graduated from college, your spouse would still be faced with daily living expenses. And what if your spouse outlives you by 10, 20 or even 30 years, which is certainly possible today. Would your financial plan, without life insurance, enable your spouse to maintain the lifestyle you worked so hard to achieve? And would you be able to pass on something to your children or grandchildren?

Cash Surrender Value, or cash value, which accumulate on a tax-deferred basis just like assets in most retirement and tuition savings plans, can be used in the future for any purpose you wish.
If you like, you can borrow cash value for a down payment on a home, to help pay for your children’s education or to provide income for your retirement.
When you borrow money from a permanent insurance policy, you’re using the policy’s cash value as collateral and the borrowing rates tend to be relatively low.
And unlike loans from most financial institutions, the loan is not dependent on credit checks or other restrictions. You ultimately must repay any loan with interest or your beneficiaries will receive a reduced death benefit and cash-surrender value.

If you need or want to stop paying premiums, you can use the cash value to continue your current insurance protection for a specified time or to provide a lesser amount of death benefit protection covering you for your lifetime.
If you decide to stop paying premiums and surrender your policy, the guaranteed policy values are yours. Just know that if you surrender your policy in the early years, there may be little or no cash value.

Universal Life, as best permanent Life Insurance Policy, offers adjustable premiums that give you the option to make higher premium payments when you have extra cash on hand or lower ones when money is tight.

Universal Life allows you, after your initial payment, to pay premiums at any time, in virtually any amount, subject to certain minimums and maximums. You also can reduce or increase the death benefit more easily than under another traditional permanent life insurance policies.

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Our Service Area:

- Mississauga
- Brampton
- Toronto
- Scarborough
- Vaughan
- Richmond Hill
- Markham
- Aurora
- Newmarket

Permanent Life Insurance - Advantages

Why Permanent Life Insurance might be a good option for you:

from $37.00
Policy remains active regardless of age: Most term insurance policies expire at a certain age. With permanent insurance, you don’t have to worry about that. A permanent policy remains in-force for life
Grow an investment within the policy: For every single dollar you pay in annual premiums, you have the option to contribute three to four dollars into the investment fund attached to the policy. The best part is that these investments grow on a tax-sheltered basis within the policy and can be paid out tax-free, along with the value of the policy.
Level premiums for the rest of your life: Universal Life policies generally come with level premiums for the life of the policy, which means the premiums never rise and as the policyholder you always pay the same amount.
Limited pay periods: With permanent policies, you don’t necessarily have to pay the premiums forever ad infinitum. This is because of limited pay periods, which may have you pay premiums for the first ten years of the policy for example and then never have to pay premiums ever again on that policy.

Permanent Life Insurance - Disadvantages

When Permanent Life Insurance might be a not a good option for you:

from $37.00
Insurance Cost is Higher than Term: Initially, term life premiums are generally lower than permanent life premiums. However, term life premiums typically increase upon each renewal, while permanent life premiums stay the same.
Designed to Last a Lifetime: Permanent Life Insurance policy is not designed for short-term coverage, but designed to provide lifelong financial protection as long as the policy is in force.

References

What our Clients say?

Were are here to help our customers with personal attention and dedication. Our Agents are fully licensed and will provide you with the outstanding customer service. Get in contact with one of our agents and one of our representative will be with you shortly!

Thank you for taking great care of us on our insurance. Your team has been wonderful to work with. Not only do I get great service with your company but we also got a great policy at a great price. How do I know it’s a great policy? I know because you and I walked through each of the points to ensure that I had adequate coverage. How do I know it’s a great price? I know because I’m paying less for more option than I did for on our old insurance. I always liked your tagline “Affordable Insurance for everyone!” but now I can truly say I get it.

Jillian Glasgow October 05, 2017

When I first contacted AffordableInsurance4Everyone.com, I was immediately put to ease by their breadth of knowledge and willingness to help me navigate the complex world of insurance. Any question or concern was answered in clear, concise, and understandable language. One of the advisors spent a great deal of time to analyze my needs — never compromising on details, and never once tried to hard sell me a policy I was not comfortable with.
When I was offered policies by another insurance broker, I showed him the policy I received from AffordableInsurance4Everyone.com and this broker was astonished by the included coverage and low price premium. AffordableInsurance4Everyone.com made something I believed to be complex and daunting, in an easy, straight-forward, and relaxing process.

Jeremy Jansen August 12, 2017

Our Reviews

What People Talk About Us!

  • review rating 5  We've had great experience with this company! The rep gave us the best options that fit our needs for a very afordable price. We highly recommend "Affordable Insurance 4 Everyone" to everyone who needs a great service and price! Thank you!

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    2/28/2018

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    2/10/2018

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    2/05/2018

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    2/04/2018
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    1/30/2018

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    1/28/2018

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    1/25/2018

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    thumb Rony Yakhnin
    1/25/2018

    review rating 5  Outstanding support and service. I was pleasantly surprised by knowledge and willing to help. Had a numerous quotes from other companies, although for guaranteed no medical insurance quote from Affordable Insurance 4 everyone was the best Highly recommended!

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    2/04/2018

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    thumb Ilona Verkh
    2/04/2018
Get Affordable Permanent Life Insurance | Canada Call Us Now 416 858 4857 to get the best rates on the market

Company information

Affordable Insurance for Everyone

123 Southdown Ave.
Maple, ON L6A 4N7

Contact details

E-mail address:
info@affordableinsurance4everyone.com

+1 416 858 4857

Available 9:00am - 6:00pm

Get Affordable Permanent Life Insurance | Canada

Call Us Now 416 858 4857 to get the best rates on the market