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Guaranteed Life Insurance

Life Insurance Pro offers Guaranteed Life Insurance, sidestepping medical exams and questionnaires. Despite health status, coverage is assured. However, premiums are high due to perceived risk, with benefits limited. In case of death within two years, beneficiaries receive only premiums paid. Skip medical exams and questionnaires. Although premiums are higher due to risk, coverage is guaranteed, providing peace of mind for your loved ones. Secure your future with Life Insurance Pro.

Our Reviews

Excellent4.8 Based on 447 reviews from ★★★★★ As seniors in our + 70s we know travel medical insurance can be costly without taking out a mortgage. Fortunately our health is better than most our age or even some younger and understand Insurance Underwriters and Acturaries go by statistics. The agent we talked to Karen Write was absolutely patient and helpful. We were pleasantly surprised by the quote she gave, as the quote we had from another carrier was about 3 times more. Naturally we went with Karen Write at Alliance. We can't thank her enough for being so patient, undestanding and helpful. If in the future we are fortunate, health wise, to continue to travel we will definitely call Karen Wright at Alliance. CUDOS to Karen WrightRobert GrillsRobert Grills ★★★★★ Clear Communication and assurance of serviceEdwin DrewloEdwin Drewlo ★★★★☆ i was very impressed with sehar prompt response and helped me through with me getting what i neededNadir HabibNadir Habib ★★★★★ Sehar Bajwa was very competent and helpful. I have dealt with her for 3 years and I always get the same quality service when purchasing travel insurance from her.Judy HowardJudy Howard ★★★★★ I have just worked with Dornaz Samiei in purchasing trip insurance, and she was informed, efficient and friendly. I couldn't ask for more. Thanks.Danny SwainDanny Swain ★★★★★ Sehar Bajwa was extremely helpful while we were searching for travel insurance for our upcoming trip. Sehar provided all necessary information and setting up the required insurance was very easy and well-pricedKelly LePageKelly LePage ★★★★★ Geting tarvel insurance,all process to finalaize our insurance documents was pleasent because friendly (not puschy)and very profesional lady Sehar Bajwa thank you SEHARI R bI R b ★★★★★ Simply an Amazing Individual. The Reason I buy my Insurane from.Allianz!!!!Thank You Dornaz!Len HirschLen Hirsch ★★★★★ Dornaz was very helpful and responsive to my requests which I really appreciate!Susan MaddenSusan Madden ★★★★★ Thank you Dornaz Samiei for the above service you gave me today. You have so much knowledge and patience.Susan WhiteSusan White ★★★★☆ Great help by Alliance Sehar was a great help.anne johnsonanne johnson ★★★★★ Dealing with Dornaz was such a pleasure. Great customer service!Maida KellgrenMaida Kellgren ★★★★★ Azita was very helpful and patient with me as I was trying to make my travel insurance choice. She called me back about 3 times and when I was finally ready, she was away and Dornaz was equally helpful in completing my application. I would recommend this company!Donna HemmingDonna Hemming ★★★★☆ Very helpful and friendly people to deal with. Dornaz answered all my questions and helped me with my travel insurance. I would highly recommend this company.Dawna ShaneDawna Shane ★★★★★ I am very pleased with the service I received from Alliance. Dormaz was my contact. She was very friendly and easy to talk to. She answered all my questions with kindness, patience, and respect. She found me a policy which offered the coverage I wanted at a better price than I had been able to find on my own.Tina RhodesTina Rhodes ★★★★★ Very friendly and easy to talk with. Dornaz explained things clearly and allowed me to ask any questions.Robert HamiltonRobert Hamilton ★★★★★ Very friendly and efficient service!Frances HeywoodFrances Heywood ★★★★★ Spent time searching for best options for my needsmarg marlinmarg marlin ★★★★★ Dornaz was extremely helpful to get the right travel insurance for us. She was very friendly and knowledgeable.Barbara HanserBarbara Hanser ★★★★★ Ummi. Excellent representative. Very pleased.Darla SwardDarla Sward ★★★★★ Dornaz was very friendly and professional providing me with travel cancellation/interruption insurance.Gail CampbellGail Campbell ★★★★★ I’m so happy in dealing with Ummi Hanny , she’s absolutely a star, she really helped me finding the right insurance for me.hanne sajdahanne sajda ★★★★★ Great travel insurance Dornaz was very professional.Denise Morgan-FellDenise Morgan-Fell ★★★★★ Very pleasant, efficient and helpfulA. Ron AlgateA. Ron Algate ★★★★☆ Very easy to set up policy on a ti.ely manner.Brent ClaytonBrent Clayton ★★★★☆ The cost quoted was definately comparable to other carriers. My only complaint is that you can never call and get a direct quote. You always have to leave a message and wait for a call back. I find that inconvenient. It took me 2 days to get a quote. It used to take less than 30 minutes.Nora from AuroraNora from Aurora ★★★★★ Great service by Dornazpradeep mohapatrapradeep mohapatra ★★★★★ Dealt with Sehar Bajwa for travel insurance coverage for Caribbean cruise.Dealt with her for previous policy as well.Was very pleasant and helpful in completing the application.Dennis WrightDennis Wright ★★★★★ we dealt with Dornaz as our agent. Great service. First time using Alliance but will not be our last. Thank youNogutsNoguts ★★★★★ Dornaz was knowledgeable, professional, friendly and took the time to explain things clearlyGerald BerezukGerald Berezuk ★★★★★ Thanks to Mia Chen we were able to get our home insurance. She is very professional and safe.Genry Garcia LópezGenry Garcia López ★★★★★ I reached out to Alliance in my search to get travel insurance for an immigration visa for a family member. Ummi has been great throughout the process. She was available for all questions I had and assisted me in extending the plan as we had delays. I highly recommend her services as an insurance broker.Thank you Ummi!LilyLily ★★★★★ Sehar Bajwa looked after all my travel insurance needs in the utmost professional mannerShe was very helpful asking the right questions to help get the insurance that was right for me. I will definitely call her for my next trip to JapanDee TungDee Tung ★★★★☆ To date everything promised was delivered. If we ever need to make a claim, I will update with our experiencesJames FrancisJames Francis ★★★★★ Sehar Bajwa helped me with buying travel insurance for my husband. She was amazing!! The process was fast and painless. This was first time buying travel insurance and I was little leery about it but Sehar was very helpful in answering all my questions and she was very patient and caring. Thank you Sehar for making it so easy for me and it was pleasure dealing with you.Pratibha MalaviaPratibha Malavia ★★★★★ A fantastic experience! Sehar could not have been more helpful and competent. It was a real pleasure with someone so efficient and patient. I have already recommended Alliance Income to some friends and directed them to Sehar. Great work! Keep it up!Suzanne & Roy Cormier PalmerSuzanne & Roy Cormier Palmer ★★★★★ Very knowledgeable and able to recommend the best insurance for the circumstancesAntonio TalangaAntonio Talanga ★★★★★ Sarah, was very helpful in providing us with answers to our questions, and guiding us through our needs for travel insurance.Jan-Paul LandryJan-Paul Landry ★★★★★ Excellent service from Ummi.Chris PaveleyChris Paveley ★★★★★ Sahar provided a detail of my coverage was very courteous allowed me to review! After a couple weeks later we reconnected to secure!Great experience!Dave FabelloDave Fabellojs_loader
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Get Guaranteed Life Insurance Quotes in Minutes

At Life Insurance Pro, we understand the paramount importance of family. Our top-tier insurance policies empower you to consistently support your loved ones, ensuring financial stability even in your absence.

Take the first step by clicking below to receive a personalized quote.

The Need for Guaranteed Life Insurance

Life insurance serves as a vital safety net for your loved ones in case of your passing. It shields them from financial struggles, ensuring they maintain their quality of life. Life insurance is crucial if your dependents rely on you financially. Depending on your chosen coverage, your policy can cover funeral expenses, debts, and provide income for your beneficiaries. Certain policies allow access to your accumulated premiums. However, withdrawing funds may decrease the death benefit if not repaid. Secure your loved ones’ future with Life Insurance Pro’s guaranteed life insurance.

What Types of Guaranteed Life Insurance Can I Choose From?

In Canada there are various types of guaranteed life insurance, and Life Insurance Pro can help you explore them. Whether you’re seeking coverage without medical exams, minimal underwriting, or a deferred death benefit, we offer tailored solutions to meet your needs. Learn more about the options available to safeguard your loved ones’ financial future:

Guaranteed Issue Life Insurance

DescriptThis type of policy is available to individuals regardless of their health status or medical history. There are usually no medical exams or health questions required to qualify for coverage. Guaranteed issue policies are often used by individuals who may have difficulty obtaining traditional life insurance due to health issues.

Simplified Issue Life Insurance

While not entirely guaranteed like the guaranteed issue policies, simplified issue life insurance policies have minimal underwriting requirements. Applicants typically need to answer a few health-related questions but are not required to undergo a medical exam. These policies offer quicker approval times compared to traditional life insurance policies.

Deferred Life Insurance

Deferred life insurance policies have a waiting period before the full death benefit is payable. During this waiting period, typically two to three years, if the insured individual passes away due to natural causes, the beneficiaries may only receive a refund of premiums paid plus interest, rather than the full death benefit. However, coverage for accidental death is usually immediate.

How to Save Money on Guaranteed Life Insurance

At Life Insurance Pro, our aim is to assist you in maximizing your savings. The most effective way to save on Life Insurance is by comparing rates from various providers. While this process can be time-consuming, we simplify it for you. Just request a quote online, and we’ll handle the rest, comparing rates from all major Canadian insurers. More ways to explore how to save money on Guaranteed Life Insurance are:

Age Considerations

Your age significantly impacts premiums. Secure a policy before your next birthday to lock in lower rates, especially if you’re younger.

Health Status Matters

If you are a healthy individual and can qualify for regular life insurance, apply for a fully underwritten policy to pay notably lower premiums.

Quit Smoking

Smoking significantly increases life insurance premiums. By quitting smoking, you not only save money but also improve your health, leading to potential long-term savings and benefits.

Renewal Strategies

As rates fluctuate, consider comparing new policies or converting Term plans to Permanent Life Insurance for potential savings.

FAQ’s for Guaranteed Life Insurance

This section aims to provide even more valuable information on the topic of Guaranteed Life Insurance.

Guaranteed Life Insurance is a type of insurance policy that offers coverage without requiring medical exams or health questions. It guarantees coverage for individuals, regardless of their health status or medical history.

Guaranteed Life Insurance is typically available to individuals of certain age ranges, usually between 50 and 85 years old, depending on the insurance provider. These policies are designed for individuals who may have difficulty obtaining traditional life insurance due to health issues.

With Guaranteed Life Insurance, applicants are guaranteed acceptance for coverage, regardless of their health condition. Premiums are usually fixed and based on factors such as age and gender. Upon the insured individual’s death, beneficiaries receive the full death benefit.

Guaranteed Life Insurance provides peace of mind, knowing that coverage is guaranteed regardless of health status. It can help cover final expenses, such as funeral costs and outstanding debts, and provide financial support to beneficiaries.

While Guaranteed Life Insurance offers guaranteed acceptance, coverage amounts are often limited, and premiums may be higher compared to traditional life insurance policies. Additionally, there may be a waiting period before the full death benefit is payable, typically one to two years from the policy’s inception.

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Guaranteed Life Form (#8)
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