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 465 reviews from

★★★★★

Sehar Bajwa was the agent with whom I spoke. She was very helpful and efficient. I was also quoted Travel Cancellation and Interruption Insurance by two other agents at different companies. I went with Sehar because she provided me with the most thorough information and an excellent rate.

estolte

★★★★★

Wow what a great experience these guys are so knowledgeable.

steve R

★★★★★

I recently had the pleasure of working with Dornaz at Allianz global assistance who helped me secure health and dental insurance, and I couldn't be more satisfied with the experience. From the moment we started the conversation, she was incredibly knowledgeable and attentive to my needs. She took the time to explain all my options clearly, ensuring I understood the details of each plan.What stood out the most was Dornaz’s patience and willingness to answer all my questions, no matter how small. She made the entire process smooth and stress-free, guiding me through all the process and making sure I felt comfortable with my decision. Thanks to her expertise, I feel confident that I chose the best health insurance plan for my needs. I highly recommend Allianz Global assistance services to anyone looking for reliable and friendly assistance in navigating health and dental insurance options! From my experience, Allianz Global assistance is the best insurance company outta here!

Parfiano

★★★★★

Agent was very pleasant and efficient in providing an immediate quote

Tom Smith

★★★★★

I was researching for a travel emergency medical plan for seniors. Allianz was on my list but I hadn't made contact as yet. I received a call back from Ummi Hanny of Alliance as a result of one of my queries and I'm delighted with the result. She listened and guided me through the process with great skill, knowledge and understanding. She forwarded a quote and afforded me time to consider the offer over the weekend and we would reconnect early the next week. This also gave me time to continue my research with a better understanding. which I much appreciated.We spoke on Tuesday and concluded the signing of the coverage offered through Alliance. It was the best plan for me, coverage wise, duration and financially. The fact that Alliance is a European based company is a plus as that is where I'm traveling as well as non U.S, based.Ummi's engaging style lead to these discoveries for me. She was attentive, knowledgeable, personable and genuine. She represents her organization extremely well and I would not hesitate to recommend Alliance and/or engage your service in the future.SincerelyJohn S. MacDonald

John MacDonald

★★★★★

Sehar Bajwa was very efficient, professional and knowledgeable. I was extremely pleased with her prompt service and pleasant personality.

Eva Young pow

★★★★★

Your customer service caller was so helpful. I felt confident going ahead and signing up for health insurance for my upcoming trip. Thank you for your patience and friendliness during the call. I feel better about spending a few days in the United States knowing I have health coverage.

Beth Foster

★★★★★

I went online for a quote. Then Sehar called me with a quote.Sehar was wonderful. So professional and easy to understand.It was a delight speaking to her. Also the price was the best.

Evelyn Dickson

★★★★★

Artemiz Namazi was very professional, patient, and friendly while helping me purchase medical insurance for myself, my husband, and my son.

krystyna Harasymowicz

★★★★★

I had a wonderful experience with this company! Ummi was incredibly helpful, professional, and kind throughout the entire process. She made everything so easy and stress-free. I truly appreciated her support and would highly recommend her to anyone. Thank you, Ummi!

Miriam Assouline

★★★★★

Recently purchased Trip Cancellation /Interruption Insurance from them. Say their advertisement on Facebook. The company was easy to deal with and provided information to make an informed decision. Despite not be able to deal with my initial contact person, Artmiz was very attentive, helpful and thorough. The rating given was earned

Fern Michel

★★★★★

Shana and George at Alliance were amazing to work with. They were very friendly and prompt in all transactions.

Joe Kilford

★★★★★

Sehar Bajwa she is very good helpful. Travel insurance very good purchas price .

Theepan Moorthy

★★★★★

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 Wright

Robert Grills

★★★★★

Clear Communication and assurance of service

Edwin Drewlo

★★★★☆

i was very impressed with sehar prompt response and helped me through with me getting what i needed

Nadir 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 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 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-priced

Kelly 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 SEHAR

I R b

★★★★★

Simply an Amazing Individual. The Reason I buy my Insurane from.Allianz!!!!Thank You Dornaz!

Len Hirsch

★★★★★

Dornaz was very helpful and responsive to my requests which I really appreciate!

Susan Madden

★★★★★

Thank you Dornaz Samiei for the above service you gave me today. You have so much knowledge and patience.

Susan White

★★★★☆

Great help by Alliance Sehar was a great help.

anne johnson

★★★★★

Dealing with Dornaz was such a pleasure. Great customer service!

Maida 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 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 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 Rhodes

★★★★★

Very friendly and easy to talk with. Dornaz explained things clearly and allowed me to ask any questions.

Robert Hamilton

★★★★★

Very friendly and efficient service!

Frances Heywood

★★★★★

Spent time searching for best options for my needs

marg marlin

★★★★★

Dornaz was extremely helpful to get the right travel insurance for us. She was very friendly and knowledgeable.

Barbara Hanser

★★★★★

Ummi. Excellent representative. Very pleased.

Darla Sward

★★★★★

Dornaz was very friendly and professional providing me with travel cancellation/interruption insurance.

Gail 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 sajda

★★★★★

Great travel insurance Dornaz was very professional.

Denise Morgan-Fell

★★★★★

Very pleasant, efficient and helpful

A. Ron Algate

★★★★☆

Very easy to set up policy on a ti.ely manner.

Brent 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 Aurora

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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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