Which type of insurance suits your needs ?

There are many types of insurance available in the marketplace and here are some of them : Personal Disability , Key Person Disability Insurance , Partnership or Shareholder Disability buyout coverage , Office Overhead Disability Insurance , Corporate owned executive disability coverage, Whole Life Insurance , Universal Life Insurance , Term to 100 Life insurance , short term insurance [ 5 year,10 year ,15 year and 20 year ] , Critical Illness Insurance and Long Term Care .

The real value you should look for is choosing a "INDEPENDENT" broker who is working with a number of insurers and is informed about the differences within each plan type . Design of product and premiums differ from one insurer to the other. As I say to my clients , choosing the correct product and applying it to their own situation is where my true value is to their planning process .

I believe that Critical Illness insurance is the most versatile product for individuals , partnerships and corporations . Unfortunately , not everyone qualifies to obtain this coverage as underwriting criteria focuses not only on your health but that of your brother , sister ,parents. Never assume that you are not insurable , we have several years a go insured a client with impaired health by approaching 12 of our insurers . The insurance was to be assigned to the bank who made the coverage a condition of a corporation receiving a 10 million dollar loan for expansion .

Canada is not the only place to buy insurance , we can create a solution to attempt to secure insurance coverage on a Canadian resident through a US insurer . TK Group is part of Barrington Wealth Partners and we have strong underwriting clout as well as a group of insurers that we work with on a regular basis .

Never give up trying to get coverage and get it from a independent producer .

Comments

[Milan Topolovec]

Problem with quotes is that they are a estimation what a insured MAY pay if certain conditions are met .We deal with 10 leading insurers in Canada . Often we apply with multiple insurers for coverage on same client . Why ? While we are fortunate to work with nost senior underwriters the offers after medicals are completed greatly differ . Manulife issued a standard offer for Critical Insurance policy on a female client while Great West Life gave her a 50 percebt rating increase in premiums . On another client file Manulife declined to cover a client on Critical Illness while Great West issued his policy with a 50 percent justified rating . Dealing with a TRUE independent broker is a must !

[Denise]

The Internet is also another good bet to find life insurance quote services. These sites can offer comparisons of the most affordable life insurance policies available in the market at a time. But take care in choosing a site. Look for sites that have been recommended by media stalwarts such as CNNMoney or The Wall Street Journal. Check that the site is accredited by the Better Business Bureau. Make sure that quotes are received only from reputed life insurance companies with a rating of A or higher. For an unbiased opinion, choose sites that are not affiliated to a specific life insurance company.

Denise at AccuQuote
http://www.accuquote.com/