Seniors Life Insurance

As you reach the esteemed age of 50 or beyond, reflections on the past mingle with concerns for the future. Life Insurance Pro understands the importance of securing your family's financial well-being. Our tailored life insurance options provide peace of mind for seniors, ensuring your loved ones are financially protected in the event of premature death. Providing and ensuring for one’s family is what drives each one of us. Should premature death occur, your life insurance ensures that your loved ones are financially secure. There are many options available out there, tailored to each senior’s needs.

Our Reviews

Excellent

4.8

★

Based on 636 reviews from

★★★★★

The agent who provided me with the information I needed and walked me through the procedure for getting the travel insurance was Ofir. He was most helpful. Thanks.

Isabell Phelps

★★★★★

I was impressed with your representative. She was patient, informative and helpful. I was a novice at obtaining travel insurance and Sehar guided me through the whole process. Would recommend her to anyone asking me for a travel insurance recommendation.

Carol Shogilev

★★★★★

Excellent service and Dornaz was extremely helpful for getting my son travel insurance to the US.

miles clarke

★★★★★

I found Artmiz from Alliance Income Service, who assisted me and she is very helpful, friendly, knowledgeable. I have been purchasing several travel insurance from her. Never had I run into a problem and she actually helped me to connect with insurance while I was in outside the country. I highly recommend her. Thank you Artmiz for helping to find a lowest rate. It was a pleasure doing business with you.

★★★★★

After checking with 5 other travel/accident/ health insurance companies, I chose Alliance Income due to the extent of coverage as well as price which were best in class. In particular Karen Wright-Ebanks was excellent. She took the time to clearly explain all of the features and followed up. We will definitely be using this company and working with the same agent again.

Al MacNeil

★★★★★

Sehar provided a quick response to my request for a travel insurance quote and then proceeded to assist with booking and payment. Thank you Sehar!

Patti Brewin

★★★★★

I can honestly see I was worried about getting travel insurance for myself and finding a reasonable price❣️😊 I didn’t have to ask her to look into other companies for pricing to compare. She just automatically did and I couldn’t be happier with going through this company. I would recommend it to friends and family.❣️😊

Marge Rusnak

★★★★★

I request quotes from the company re travel insurance and dealt with agent, Theresa Heuser, she was very informative and knowledgeable of the packages offered by Alliance Income Services. She made my inquiry very easy and straight forward to understand.

Don LeBlanc

★★★★★

Your employee Dormaz was amazing. Very helpful explaining the coverage I purchased and the amount charged. She was very prompt in getting back to me.

marilyn campbell

★★★★★

Outstanding service! Excellent, prompt, friendly and knowledgeable travel and medical insurance service given by Ofir throughout various interactions.Thank you very much, Ofir, your assistance is highly appreciated!

Bets Roos

★★★★★

Dornaz was very professional, knowable and friendly.

Marilin MBrace

★★★★★

Polite, helpful and efficient with a sense of humor. Great person to help customers.

Debbie Stevens

★★★★★

Karen was very helpful in this process.

Z. H.

★★★★★

It was a pleasure talking to Karen Wright in ordering to purchase my travel insurance.She was very pleasant and knowledgeable.Thank you! Catherine (Cathleen Seamone)

Cathleen Seamone

★★★★★

Sehar Bajwa gave me fantastic service for Medical Travel Insurance.She was knowledgeable about the products she had and which ones's suited me. Even though I changed the dates of travel for a single trip a few times she was patient with me and gave me exactly what I wanted.If you ever want Travel Insurance ask for Sehar Bajwa.A More Than Satsified Client

Charles Boole

★★★★★

Very easy process to book insurance by Ofir.

Marian Avery

★★★★★

Ofir provided exceptional service in helping me secure emergency travel medical insurance. I had some very technical questions regarding top-up coverage and stability periods, and Ofir answered all of them clearly, promptly, and professionally. He made a potentially stressful and confusing process completely seamless and ensured I had the exact, safe coverage I needed. Thank you, Ofir, for the outstanding support and peace of mind!

Steve Shin

★★★★★

It is the second time that I deal with Karen Wright to insure my trips and I am very happy with her service. She is competent, efficient, profesional and very courteous. I'll will call her again for my next trip.

Christiane Delon

★★★★★

Process was quick and easy, Ofir was pleasant and knowledgeable and helped me out start to finish in just a few minutes. For a future trip I will probably get other extended coverage as well, as for this trip we bought only medical and indeed unfortunately needed it

Sara Raizel

★★★★★

Dornaz was knowledgeable and easy to deal with. She gave me a rundown on the policy and made me feel at ease.

Rhonda Handlechner

★★★★★

Excellent customer service, professional and courteous. Thank you Karen Wright.

Mimi Alam

★★★★★

Very helpful and easy to do business with. I needed travel insurance and got lots of quotes to compare. Purchase was painless and fast

warren faleiro

★★★★★

Thank you Karen Wright, for your very fast, efficient service to obtain my travel insurance. A quick medical questionnaire to complete, payment done, and I had it in my inbox ready to print. Effortless ! A good choice !

Laura Courtney-Clarke

★★★★★

Sehar was very knowlegable, understood my needs and was very helpfull setting me up with my coverage as well as explaining the contract. It made the whole process go very smoothly.Les McCulloch

leslie mcculloch

★★★★★

Dornaz is great to deal with. She made me feel that no question was a dumb question. Very helpful.

Valerie Roth

★★★★★

Karen Wright provided outstanding and timely service setting up the policy for our trip. Nice to have a piece of mind at a reasonable price for our trip

Larry Kellock

★★★★★

Always a positive helpful experience with Dornaz. For all your travel insurance needs i would definitely recommend Dornaz with Alliance Insurance

L.M.

★★★★★

Karen was very efficient and friendly. She explained details in a very respectful way and we would be happy to deal with her in the future.

Juliet Stephens

★★★★★

It's always a pleasure to deal with Karen Wright. She is always very helpful and courteous.

Bernie Lehmann

★★★★★

Karen was very helpful and great to talk to. I would definitely recommend her to any of my friends wanting insurance.

Bobbie Violante

★★★★★

I just want to say that my experience with Muhammad sorting out my trip cancellation insurance was the best I could have hoped for - he is patient, knowledgeable and answered all my questions.

mary Mulder

★★★★★

Karen made this experience so easy and less stressful than I thought it was going to be. She was very professional and was able to answer all of my questions thoroughly and made me feel a little confident that I was getting a good product from her.

T Rum

★★★★★

I wanted to thank Dornaz on being very helpful for answering all my questions. She was very polite and patient. I had a a lot of questions.

Selina Allen

★★★★★

I bought health insurance to my company emloyees, and luckily I dealt with Teressa, She was amazing, understanding so helpful.did not bother her I made some changes and mistakes she kept working with me guide me spontaneously , its like we were sitting in same office ..kept going and get the job done as I like, Thank you Teressa, Thank you Alliance income Services

haitham saadedin

★★★★★

Once I was able to get through on the phone, Karen was excellent. She was very friendly, patient and informative. She worked things out with me until she found the policy that I needed.

June Caine

★★★★★

Knowledgeable, curtis and efficient. I am very pleased with Karen expertise and professionality. Definitely I will use her service again.

Magda Mahdy

★★★★☆

Sehar Bajwa was knowledgeable and provided explanations for all insurance coverage. Process was simple and easily done over the phone.

Joe Wery

★★★★★

Muhammad was very patient with me while I decided.i recommend dealing with Muhammad .I think having insurance puts my mind at ease.

Angele Faucher

★★★★★

I always like to shop around to get the best deal, without compromising quality.My research brought me to Allianz and I was contacted by Sehar Bajwa, who answered all my questions and sent me an email with all the details.Not only was Allianz the best price, I also got good service from Sehar.I hope that I will not need the insurance but if I do, I hope the good service I have received so far, will continue.Thank you Sehar.

Sylvain

★★★★★

Good assistance.

Heather Sutherland

★★★★★

Dornaz provided our travel insurance efficiently and promptly. Her communication was clear and professional. Very pleased to work with her!

Dale Hildebrandt

★★★★★

I recently had the pleasure of dealing with Muhammad regarding travel insurance. I can't say enough about him. I had a few issues created by my Costco m/c. He went above and beyond to make changes to my policy because of m/c. I certainly won't hesitate contacting him in future for future travels or recommending him to friends & family. Thank you Mary Rate 110/100

Mary Bortignon

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Why Seniors in Canada Need Life Insurance

Life Insurance offers crucial protection for seniors’ loved ones upon their passing. It ensures financial security, maintaining their standard of living. Essential if spouses, children, or others depend on them financially. Life Insurance covers funeral expenses, debts, and provides income for beneficiaries, depending on the chosen coverage. Certain policies allow seniors to withdraw premiums if necessary, but unpaid withdrawals may reduce the payout at passing.

Types of Seniors Life Insurance in Canada

Similar to traditional life insurance, Seniors Life Insurance falls into several different categories:

Term Life Insurance for Seniors

Provides coverage for a specified term, typically 10 to 30 years, offering a fixed premium rate. Ideal for seniors seeking temporary coverage to protect loved ones during mortgage payments or other financial obligations.

Whole Life Insurance for Seniors

Offers lifelong coverage with a guaranteed death benefit and cash value accumulation. Premiums remain fixed, making it suitable for seniors looking for permanent coverage to leave a legacy or cover final expenses.

Guaranteed Issue Life Insurance for Seniors

Requires no medical exam or health questions, ensuring acceptance regardless of health condition. Provides coverage for funeral expenses or outstanding debts, making it accessible for seniors with pre-existing health conditions.

Simplified Issue Life Insurance for Seniors

Does not require a medical exam but involves answering a few health-related questions. Offers quicker approval than traditional policies, making it suitable for seniors seeking coverage without the hassle of a medical exam.

Final Expense Insurance for Seniors

Specifically designed to cover end-of-life expenses, such as funeral costs and outstanding debts. Provides peace of mind for seniors and their families, ensuring financial readiness for inevitable end-of-life expenses.

Tips to Save Money on Seniors Life Insurance

We understand the importance of saving money for seniors. Comparing rates from various providers is key to finding affordable Seniors Life Insurance. However, it can be time-consuming. That’s why Life Insurance Pro simplifies the process by checking rates from major Canadian insurers when you request a quote through our website. More important ways to save money on Seniors Life Insurance are:

Age Consideration

Your age greatly impacts your premiums. Purchasing a policy at a younger age is advisable to avoid higher rates. Secure life insurance before your next birthday to mitigate premium costs.

Health Status Evaluation

For healthy seniors, opting for a fully underwritten policy can result in significantly lower premiums.

Smoking Habits

Smokers may face premiums up to 100% higher than non-smokers for equivalent coverage. Quitting smoking not only saves money but also improves health.

Policy Renewal Assessment

As rates may change over time, consider comparing new policies or converting your Term plan to Permanent Life Insurance instead of renewing your current policy.

Seniors Life Insurance FAQ’s

This Seniors Life Insurance FAQ section provides even more information on the topic:

Yes, many insurance companies offer life insurance specifically designed for seniors, with varying coverage options and eligibility criteria.

Factors such as age, health status, smoking habits, and the type of policy chosen can influence seniors’ life insurance premiums.

It depends on the type of policy selected. While some policies may require a medical exam, others, such as guaranteed issue or simplified issue life insurance, do not.

Yes, seniors can explore options to switch or upgrade their life insurance policies, depending on their changing needs and financial circumstances.

Missing a premium payment could result in a lapse of coverage, depending on the policy terms. Seniors should consult with their insurance provider to understand the options available in such situations.

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