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Get a Quote

Your choice of life insurance depends on what you need and your goals. The costs and prices can be very different. That’s why filling out our life insurance quotes form is helpful. Just answer a few simple questions, and one of our advisors will quickly get back to you with quotes from many of the top life insurance companies in Canada.

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You can also email 📧 inquiry@hipandvalley.com

Do you know the basics of life insurance? 👇🏼

Term Insurance

Provides coverage for a specific period (e.g., 10, 20, or 30 or more years).
Generally lower initial premiums
Ideal for temporary purposes such as income replacement, mortgage protection, debt protection, etc
Can be renewable
Can be converted to a permanent policy
No cash value accumulation

Permanent Life Insurance

Offers lifetime coverage as long as premiums are paid or premiums cover cost of insurance
Suitable for long term goals such as estate planning, and leaving a legacy such as charitable donations or family inheritance
Accumulates cash value over time
Can provide tax benefits
Is more nuanced and needs more understanding of the policyholder

Three options for applying for life insurance:

FULLY UNDERWRITTEN

Previously, this process involved a lengthy paper application, a visit from a nurse, and medical exams. However, thanks to technological advancements, many applications can now be completed over the phone using online platforms. Numerous companies now accept electronic signatures and can issue life insurance policies electronically for added convenience.

SIMPLIFIED POLICIES

These policies consist of a few questions without requiring an exam. The application process is conducted online, and our advisor will assist you throughout the entire process, ensuring you find the best-suited insurance company for your policy.

GUARANTEED POLICIES

These policies require no questions to be answered, guaranteeing acceptance. Certain companies provide these policies for rapid issuance; however, the coverage is generally smaller, which involves taking on greater risks. The premiums for these policies are usually higher than those for fully underwritten ones.

Compare life insurance rates and save up to 40%. Typically, a term life insurance policy is the more affordable option for most individuals. However, there are instances where a term-to-100, whole life, or universal life insurance policy may be more suitable, even if it comes at a higher cost. Request a quote to observe the price variations, or consult with our advisors for free, impartial advice from seasoned, independent life insurance experts.

Hip & Valley partners with leading financial institutions in Canada, with over 20 alliances under its roof.

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