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Life Insurance

Life Insurance
WHEN THERE IS IF IN LIFE

Canada’s Leading Insurance Marketplace

Over $1.5 Billion in Coverage Sold, Protecting Families Like Yours,

With Policydirect, residents get the life insurance policies and other planning tools you need to help provide for the ones you love – now and in the years to come.

 

Life Insurance provides peace of mind that those you love will have financial security after you die. Life insurance provides a tax-free payment to your beneficiaries. This could cover financial obligations including mortgage payments, higher education costs and general living expenses. These are financial requirements that your dependents may be unable to cover after you die.

 

There is no one size fits all life insurance coverage. When looking at the cost of life insurance, this can vary significantly based on your individual profile. Factors that determine your premium include your age, gender, heath, lifestyle and medical history. The amount and type of coverage you choose should be based on your individual needs and circumstances.

WHO NEEDS IT ?  Everyone,

Your need for life insurance depends largely on your financial obligations and your dependents. The question you need to ask is, would your dependents be financially impacted if something happened to you? If this is a concern, then life insurance could help protect them financially after you’re gone.

Thus, if a loved one depends on your income for their quality of life, it’s more than likely you need life insurance.

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At POLICYDIRECT, process of buying insurance as easy and painless as possible. in just a few minutes you could be on the way to obtaining right coverage, protecting your loved ones, and having the peace of mind knowing we haveprotected you and your family.

STEP 1 - QUICK QUOTE

Get the Best quote from all major insurance companies

STEP 2 - QUICK GUIDE

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STEP 3–SUBMIT APPLICATION

Submit your application, get approved and deliver your policy.

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POLICYDIRECT?

We Care About Your Life’s Important Things. Expert Advice with Superior, Honest Solutions – Reliable, Essential and Yearlong Service. At PolicyDirect, we’ve made the process of buying insurance as easy and painless as possible.
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When There Is If In Life

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Customized Insurance Offering By Policydirect

Policydirect compare products and pricing across several insurance companies and suggests thatfits your requirements.

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A simple promise : We'll be there when you need us most. When there is if in Life, you can count on PolicyDirect.

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We can assist you in reaching your financial goals with personalized financial pathway that meets your unique needs & goals.

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Get your auto, Property, Travel, Life, Health, Business insurance quote. Your one-stop-solution for all your insurance needs.

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Life Insurance Options

Some feel that life insurance is expensive, but depending on your needs, it can be relatively inexpensive to purchase.This is why it is a good idea to discuss your life insurance alternatives with an POLICYDIRECT Advisors, who will do an Expert Financial Analysis and can offer you a quote while keeping the costs for coverage within your budget.

Quality Services With Difference

Life Insurance Options

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Mortgage Protection
Term life insurance

Term Life Insurance

Term life insurance provides guaranteed rates and coverage, with prices renewing depending on the term selected, most commonly every 10 or 20 years (known as Term 10 or Term 20). It lasts for a specific period of time, which can be a fixed number of years or until you reach a certain age.

  • Cost Effective
  • Often Used to protect Mortgage
  • It’s Renewable & Convertible
Whole Life Insurance

Whole Life Insurance

Whole life insurance provides permanent protection with guaranteed level premiums and death benefit. This type of coverage can gain cash values the longer the policy is in force.As long as premiums are paid, the insurance company pays out a tax-free death benefit to your beneficiary, when you pass away.

  • No expiry date. You get lifelong coverageas long as premiums are paid
  • Whole life insurance policies also have a savings or investment component
  • Tax-free death benefit to your beneficiary, when you pass away.
Universal Life Insurance

Universal Life Insurance

Universal life insurance is the same as whole life insurance, except you have more choice of where your cash value is invested.Universal life insurance provides permanent protection, along with the option to invest in a tax sheltered environment by over-funding the policy.It gives an opportunity to generate a larger return than what is guaranteed from a traditional whole life policy.

  • Premium Flexibility
  • Maintain coverage while also building wealth
  • This coverage is well suited for those who are concerned about estate preservation and estate planning.
Mortgage Protection

Mortgage Protection

In the unfortunate event of your death, with your mortgage loan still outstanding, this insurance will pay off the remainder of your mortgage debt.When compared head-to-head, term life insurance beats mortgage insurance for protecting your home and your loved ones.Instead, Canadians are better served by mortgage protection through term life insurance.

  • Mortgage insurance products from your bank or mortgage provider are not worth it.
  • Mortgage insurance is not a waste of money in specific circumstances.
  • Your lender is the beneficiary
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