Life insurance is a contract in which an insurer, in exchange for a premium, guarantees payment to an insured's beneficiaries when the insured dies.
Term life insurance is possibly the only product that people really don't understand how to buy. If you buy a house, an airfare or a car, you compare prices to get the best deal.
But, until the Internet came along, you had no real way to compare the cost of the premiums for term life insurance.
Now you don't have to buy the term life policy the salesman is selling! You can order a term quote here to make sure you get the best deal!
You can save yourself serious money by comparing the prices from ALL the companies in Canada.
You can see that the smart ones will get a term life quote and get the BEST for themselves and their families. The rest will take what they are offered and pay far more money EACH MONTH.
Trajedy can strike at any time and it's important to be protect whats imprtant you want to enure that your legacy provides for your family, granschildren, your business or another aspect in your life.
Term insurance provides you with life insurance for a particular period of time. The term insurance policy will pay a tax free death benefit to your benefiary should you pass way during the term you selected.
Joint Life Insurance
Joint First-to-die policies pay a death benefit when the first of all of the insured people dies. This is useful when the proceeds of the policy are going to be used to provide financial support to a spouse or family member, or to maintain a business.
Joint Last-to-die policies pay a death benefit when the last of all of the insured people dies. This is useful when the proceeds of the policy are going to be directed towards offsetting estate taxes.
Any of our licensed life insurance brokers can help you complete a needs analysis questionnaire to determine the appropriate amount.
Everyone needs life insurance. Whether it is to protect your family or ensure the financial security of your children. We all have a need for some type of insurance.
The amount of coverage and type of insurance policy are best determined through a personalized review of your insurance needs with a qualified broker.
Your Brokers Network has the knowledge to help you understand all your life insurance options.
The Hughes Trustco Group Ltd. is confident that our brokers operate at a high standard of ethics. To ensure that high standards are maintained, we have defined the standards we expect our intermediaries to adhere to.
Compliance - compliance with all federal and provincial laws and regulations and internal standards governing the sales process.
Status and introduction - providing clients with full and accurate disclosure of his/her status, qualifications and the services provided.
Competence - providing services, advice or information only where they are licensed and competent to do so.
Needs selling and continuous service - identifying the needs of the client before offering advice and providing continuous attention to these needs.
Disclosure - educating clients about the products and services offered by providing full and accurate disclosure of all facts required to allow the client to make an informed decision.
Priority of client's interest - giving priority at all times to the interests of the client when providing advice.
Confidentiality - holding the personal and business information of clients in the strictest confidence.
Documentation - providing clients with written copies of any advice given and retaining sufficient information in a client file to demonstrate the appropriateness of a sale.
Canadian insurance and investment brokers in business since 1972 and online from 1998.
© 2023 The Hughes Trustco Group Ltd. - All Rights Reserved. Privacy Policy | Disclaimer