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

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Based on 400 reviews from

★★★★★

Excellent service from Ummi.

Chris 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 Fabello

★★★★★

Thank you Sehar Bajwa, prompt helpful and professional.

hayam rozik

★★★★★

I got my out of country medical insurance assisted by Sahar. It was a pleasure workingwith her and will be contacting her for any future trips. Thank you Sahar.

Janet Fountain

★★★★★

Attended by Artmize, good customer service, puntual and very professional. Will continue making bussiness with her.

Edgar Montano

★★★★★

Sehar Bajwa was great and very knowledgeable. Sehar has been more than helpful over the last few years with my travel insurance needs. Thank you again Sehar.

Kevin Rodger

★★★★★

Sehar was super to deal with! she called with clarifications and any questions. Very happy with our travel insurance purchase. Hoping if we need to use it will be clear and easy too. Thank you Sehar we appreciate you

Deb Knight

★★★★★

Sehar Bajwa gave us a lot of attention over 2 days with a details sent by email and over the phone. We obtained exactly what we wanted for medical insurance for the trip. Thank you Sehar!!Mary Lou and Fred Crossan

Mary Crossan

★★★★★

I’ve dealt with Sehar for the last few years and she is knowledgeable and helpful when purchasing our insurance for our stay in Florida for the winter I highly recommend her

Rachel Blouin

★★★★★

Sehar was wonderful to deal with while buying medical insurance for our winter in Arizona. We had been having trouble securing insurance for my husband because of some health issues and she found a company very quickly that would cover him. Of course we always hope not to have to use our insurance but if we do I hope it goes as smoothly as when we purchased. Thank you Sehar!

Faye Libler (MacGIRLver)

★★★★★

Sehar Bajwa always followed up and double checking all prices and providers for the best insurance to fit our needs. Very patient and thorough, highly recommend her expertise

Linda

★★★★★

Quick, reasonable and the broker, Sehar Bajwa was helpful, knowledgeable and kind.Thank you Sehar!

Cindy Mathison

★★★★★

Sehar was a great help in sorting out my travel insurance, even while I was on the road, follow up was easy.Emergency medical and Trip insurance, got a great rate, tks again Sehar!

Donna Karjalainen

★★★★★

Service was excellent. Assisted in every way possible to clarify my needs.

John Fantin

★★★★★

I and my wife got travel insurance with help of insurance agent Sehar Bajwa. Tanks a lot for Sehar Bajwa for very professional and competent job.

Mikhael Chernitsky

★★★★★

Thanks Sehar for your knowledge and patience while I decided which package to take!! Well done!

Bandna Sawhney

★★★★★

I had a great experience with Sehar when purchasing my travel insurance.

Joy McDonell

★★★★★

Thank you Ummi, Alliance Income for her wonderful service, she was helping me with travelling insurance with professional manners, giving me options and advices that I felt very comfortable and confidence. The process was smooth and efficient, right after the phone call process, the policy was immediately delivered to my e-mail. I would recommend Alliance Income and agent Ummi. Thanks.

Katiana Lo

★★★★★

Spoke with Artmiz. Very knowledgeable and very professional. Answered all my questions.Would highly recommend her to family and friends...actually, I already did and my friend was very pleased with the service she received

Pam Singh

★★★★★

My dealings with both Adam and Theresa were handled in a professional prompt manner giving me confidence in Alliance. I hope never to have the need to use my coverage, but I would hope that the experience would be as good.

Eklove Shatner

★★★★★

Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!

Stephen J. Rushford

★★★★★

Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.

Joanne Hunt

★★★★★

Artmiz was capable, responsive and punctual. A good experience!

Geoff Stiles

★★★★★

Once again Ummi has provided an economical rate and stress free service for my snowbird health insurance. Strongly recommend for price and revive many thanks

Elizabeth Bastable

★★★★★

Theresa helped me get medical insurance for my upcoming trips. She explained everything in detail making it an easy for me to make the decision!

christine Fox

★★★★★

Theresa Hauser provided excellent service - clear information and great support regarding travel insurance- both cancellation and interruption.

Don Wagner

★★★★★

Theresa was very helpful & answered all my questions. Very efficient & I received all the documents & information within minutes. Thank you Theresa

Irene Hartl

★★★★★

Quick and efficient process and very good, pleasant exchange with agent Theresa Heuser

Randy Klatt

★★★★★

Theresa is very helpful and efficient. I get all my insurance needs done seamlessly by this company.

Maria Cecilia Danganan-Landicho

★★★★★

Artmiz Namazi was a very nice person to deal with. She went far and beyond to help me to have the best deal. She understood my problem and made sure I knew it was solved. I will greatly recommend her to anyone searching for emergency travel insurance.

Catherine Poplawski

★★★★★

Theresa Heuser helped me with buying travel insurance today. She was amazing!! The process was fast and painless. I always find buying our travel insurance to be one of the most stressful things in getting ready to travel. Thank you Theresa for making it so easy for me.

Pat and Art Thorrougood

★★★★★

Theresa was prompt at replying, answering all my questions and very friendly and pleasant to deal with. She is an asset to your company.

Yvonne Fjaagesund

★★★★★

Great experience. Theresa Heuser And Sabrina Izdiher helped me with everything. Very helpful and awesome customer service

Gurasis

★★★★★

Great professional quick service!

Colleen Van Horn

★★★★★

It was good, customer service and the client dealing is best and also they get you good deals.

Ahtsham Saif

★★★★★

Theresa was very clear and helpful with our travel insurance questions.

Gabriella Klein

★★★★★

Theresa was very helpful and professional in all our dealings! Would recommend her highly.

Joyce Schaaf

★★★★☆

Theresa was very efficient, friendly and patient.

Sandra Perrin

★★★★★

Artmiz Namazi was an excellent person to deal with. She was very knowledgable and gave me excellent advice. Her quick response to my inquiries on line and over the phone were great. She was extremely helpful and friendly and gave 5 star service.The price for the insurance I needed was also excellent. Thanks Artmiz

Fran Smyth

★★★★★

Excellent product at a cheaper price than other providers.

Dale Crawford

★★★★★

Brilliant and professional support given by Artmiz. Very happy with our Travel Insurance Policy. Thank you

Sabir Parvaiz

★★★★★

I am So glad and happy to have the agent name Ummi to assisted me purchase our travel insurance, very pleasant and helpful. Introduced her to my friends, they were happy with the service too. Thanks Ummi. For sure will looking for you at next travel time.

Van Tran

★★★★★

Great people & service.

Dave Gobell

★★★★★

Great job, knowledgeable, very patient and tried her best to help me. Thanks Ummi for excellent customer service

Razija

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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.