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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 347 reviews from ★★★★★ Ummi is always helpful and professional. She has been helping our family for all travel insurance over the past years.MargieMargie ★★★★★ Ummi is courteous and professional. Good job!Rod SetoRod Seto ★★★★★ Artmiz was very pleasant and helpful in providing the coverage needed for my trip.John CliffordJohn Clifford ★★★★★ Nice Dealing And Nice Explanation…Harman BasraHarman Basra ★★★★☆ I want to let everyone know that when you buy your insurance from Alliance, buy it from Dornaz. I have had 2 separate policies through her and can't say enough about her thoroughness, knowledge of the product and her customer service. It was pleasure dealing with her.Nola DyckNola Dyck ★★★★★ Great customer serviceJennifer PhillipsJennifer Phillips ★★★★★ I had a very good experience with Dornaz. She was very helpful and got my policy together quickly. I will certainly recommend her to my friends.Steve StaplesSteve Staples ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinberg ★★★★★ We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.Kathy CastleKathy Castle ★★★★★ It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.Tom BrailsfordTom Brailsford ★★★★★ I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks UmmiJeff LangJeff Lang ★★★★★ We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,Heinz KriegerHeinz Krieger ★★★★★ Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.Milos RudolfMilos Rudolf ★★★★★ Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.Tracy HastingsTracy Hastings ★★★★★ I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.Lise BeaulneLise Beaulne ★★★★★ Ummi. was very helpful and pleasant. Billwilliam rockwilliam rock ★★★★★ Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.Danny ChinDanny Chin ★★★★★ My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.Stephanie RumbleStephanie Rumble ★★★★★ Eric and Bob were both extremely helpful and attentive to my needs.Paul CodyPaul Cody ★★★★★ Teresa was great. Addressed all my concerns.Robert CarterRobert Carter ★★★★★ The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.Simin MeshginnafasSimin Meshginnafas ★★★★★ I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍Mark EngelMark Engel ★★★★★ Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .Michael BoudreauMichael Boudreau ★★★★★ Excellent service by Eric Clementi and Ryanmargaret burnsmargaret burns ★★★★★ Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.Bonnie SmithBonnie Smith ★★★★★ Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.Marsha RisserMarsha Risser ★★★★★ I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.Marilee Van BuskirkMarilee Van Buskirk ★★★★★ It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.Mohinder BangaMohinder Banga ★★★★★ I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!Bruce YeeBruce Yee ★★★★★ Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!Beverley HowickBeverley Howick ★★★★★ Eric Clementi is the manYunus PatelYunus Patel ★★★★★ I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.Muhammad KoyaMuhammad Koya ★★★★★ It was pleasure working with Mariam and Eric. We are seniors and trying to get a reasonable price for travel insurance.Fay BellefontaineFay Bellefontaine ★★★★★ I sent an email yesterday. They called today. Marion and Eric were excellent. Highly recommend this company. Rates are excellent tooAnnette ChisholmAnnette Chisholm ★★★★★ Eric was fantastic. Quick , easy and affordable.Tracey PeerTracey Peer ★★★★★ Eric was very professional and found the best plan for me at this time.Trev HutchinsTrev Hutchins ★★★★★ Eric Clementi was an absolute pleasure to work with. Very professional and courteous.Berit LysBerit Lysjs_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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