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Life Insurance
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Our Established & Reliable Canadian Insurers
At AplusWealth, we focus on helping all Canadians to find the right life insurance policy at the best price. We help you to compare, calculate, and ask for advice from our licensed insurance advisors. AplusWealth Inc. is a brokerage that focuses heavily on life insurance and treats each case uniquely since each individual has different needs and goals. Our state-of-the-art online system makes finding coverage accessible, fun, and simple for all our customers.
Compare prices among the most reliable Life Insurance companies across Canada
With our smart and unique online process, you can now compare quotes in the comfort of your home and better understand what is available to you. One of the most important parts of every purchase is comparing prices and finding the right product that suits your goals. A needs calculator is also available through Apluswealth Inc, an advisor system to help all Canadians to find the right amount of insurance to protect their loved ones.
Life Insurance Types in Canada.
Like in most countries, Life Insurance remains the same in Canada. The idea is to pay premiums in exchange for a lump sum amount that will go to individuals or institutions chosen upon the insured death. AplusWealth Inc. offers all types of life insurance products available in Canada. We value our customer’s needs, so we take pride in helping you find the best price with the best value from the best insurance companies.
Here are the different types of Insurance that we offer at AplusWealth Inc.
What financial industry must be! Goodbye Stone Age , hello Experience Era
Times has changed so has the Insurance industry
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Fill out an online quote
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Complete online assessment
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Licensed adviser inspection & application submission
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Policy review & Delivery
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Fill out a quote or Simply Call us
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Book a meeting with a licensed advisor
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One on one meeting with licensed advisor & financial assessment
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Policy Review & Delivery
We help you all along the way: No Fees!
We won’t charge you for anything
Reliable
work with experts and proven company so you can rely on your investment and insurance plans
Efficient
no energy or time will be wasted, to find the right investment and insurance for you
Simple
uncomplicating investment & insurance so you can simply make the right choice
How we work?
Remember that money does not buy life insurance; health does. The application involves either a verbal questionnaire, a standard medical exam or both, depending on the underwriting requirements of your desired policy and the insurance company. Various factors affect the outcome of the health check-up examination; the four most important factors are Medical conditions, age, sex, and smoker/non-smoker status. Based on the findings of the health check-up, you could be offered coverage. Remember, sometimes you could be healthier than you think or vice versa.
The coverage is a strategy to minimize the risk to your financial well-being in the event of your death. When considering the protection, the financial checkup is critical because it will allow your advisor and you to understand your insurance needs and provides your advisor with an insight on how to structure it for you effectively. 6 Financial liabilities to consider when purchasing life insurance are Mortgage, Debt, Children, Estate Tax, Income Replacement, and Leaving a Legacy. Remember that the maximum insurance limit you could get qualified for also depends on your assets and income.
The desired outcome for your insurance policy is the most immediate influencer on how you intend to structure your coverage. There are different products with different features and aspects. Still, almost universally, no matter which product or insurance company you choose, the policy structure has to be chosen properly. For example, consider temporary versus permanent insurance, Yearly renewed or level insurance cost. The two mentioned are critical in setting up your insurance policy, but there are many more depending on the nature of your desired policy.
Do I need life Insurance?
Most definitely, yes! Life insurance is necessary if you have dependents, are trying to leave a legacy or are doing estate planning.
Most people buy insurance to make sure their loved ones are financially stable after they pass on. Although, there are many other reasons to get coverage.
Since there can be many reasons to buy the coverage and many different types of policies, it is crucial to purchase the accurate type, amount, and coverage period.
Plan for your future and get coverage when you are young and healthy; the longer you wait, the more expensive it gets.
What is Life Insurance?
Life insurance is to protect against financial hardships that are associated with the insured’s premature death.
The concept is quite simple; you pay monthly or yearly premiums for a lump sum that will be paid tax-free upon insured death to the designated beneficiaries.
You should consider this protection if you have liabilities and/or earning income and have dependents who rely upon your income for financial support.
Lastly, certain types of policies allow individuals to save and shelter income on their savings from taxes, so think of this policy as a tax-free final gift to your loved ones.
What Types of Life Insurances are out there?
We categorize insurance into three classes; Term, whole life, and universal life insurance. Each of these coverages has its own unique benefits and purpose. Therefore, it is important that you understand what you need, how much coverage you need, how much you can afford, and how the policy works.
Besides these three major types, we also categorize them with respect to their use. For instance, non-medical, senior life, and mortgage insurance also exist. Even though these are not technically a category, each has its own unique features and addresses certain needs in the market.
Why AplusWealth Inc.!
What makes AplusWealth Inc unique compared to others?
At AplusWealth Inc., we consider our Customers part of our huge family. We recognize their needs, desires, and financial well-being. We trust that insurance is not pretty much locating the proper product at the right price from the fine company. Your needs must be monitored and maintained as economic dreams and circumstances change. We also provide additional services and are partnered with specialists, including legal professionals and accountants, to create a solid economic plan for our customers if they need it. The exceptional part is we will not charge our clients for any of it.
One-stop-shop platform:
All financial life elements must work together like a well-oiled machine. Therefore, AplusWealth offers various investment services, health coverage, group health benefits, and travel insurance to ensure we assist our clients with all aspects of their financial needs.
GetCovered one of a kind Online Insurance system
Free & reliable Online Quoting System:
We dwell in an experience era in which all our consumers are educated and require lots of research before committing to a product. Therefore, we inspire our customers to explore alternatives and learn about life insurance products and services. For that reason, we usually post educational substances on our website, and have a unique, dependable, and simple insurance quoting platform so our clients can compare specific life insurance prices and organizations and locate the proper life coverage quote.
Fully Online service:
All industries have slightly modified, from retail & food to accounting and law. Now all industries have a web platform ready for purchasers to use. After the COVID-19 pandemic and its impact on our lives and businesses, we had to create a way to cope with all of our wishes and find the right products in a safe way without sacrificing the quality of service. Therefore, we’ve worked on a simple online procedure so our customers can find quotes, seek advice, buy a policy, and settle the policy fully online.
Why AplusWealth Inc.!
Personalized planning:
Everyone’s monetary wishes, dreams, and conditions are different. Since we want all families to locate their right policy, we will assign an expert financial consultant to every case to help structure policy and link all other financial products if needed.
Free Expert Advice:
Our licensed and expert advisors are equipped with plenty of knowledge to offer professional opinions so you can locate the right coverage that fits your needs.
Ongoing service:
At AplusWealth Inc, we don’t forget that life insurance is a long-term product that calls for monitoring and adjusting. Therefore, we offer every year policy evaluation to all clients to ensure all the economic desires are being met, and if the policy wishes adjustment, we can contend with it.
You ask the question, we will find the answer
Call us at 1-888-461-6120 or schedule a call for a later time.
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