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

4.7

★

☆

Based on 428 reviews from

★★★★★

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

★★★★★

Great service by Dornaz

pradeep 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 Wright

★★★★★

we dealt with Dornaz as our agent. Great service. First time using Alliance but will not be our last. Thank you

Noguts

★★★★★

Dornaz was knowledgeable, professional, friendly and took the time to explain things clearly

Gerald Berezuk

★★★★★

Thanks to Mia Chen we were able to get our home insurance. She is very professional and safe.

Genry 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!

Lily

★★★★★

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 Japan

Dee Tung

★★★★☆

To date everything promised was delivered. If we ever need to make a claim, I will update with our experiences

James 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 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 Palmer

★★★★★

Very knowledgeable and able to recommend the best insurance for the circumstances

Antonio Talanga

★★★★★

Sarah, was very helpful in providing us with answers to our questions, and guiding us through our needs for travel insurance.

Jan-Paul Landry

★★★★★

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

Familiy and Life Insurance CTA image banner

Get Seniors 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.

Get a Quote

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.