Term Life Insurance
Private Health Plans
Life Insurance
Critical Illness Plans
Long Term Care
Disability Insurance
Estate Planning
Convert Health Benefits
Group Plan Benefits
Mortgage Protection
Savings account
Coverage for children

RRSP- LIRA Retirement

Credit & Mortgage
Travel Insurance
Contact us
Client Services













Saint John, NB
Term Life Insurance
Affordable Solutions

What is it?
Term Life insurance can provide very affordable insurance protection because its premiums are initially lower than other alternatives. But, its cost will increase over time and it does not provide lifetime coverage. It offers the flexibility to adjust your coverage to suit your needs over time.

How does it work?
You select the term that covers the time you need temporary coverage. Depending on the insurance company, many options are available including:

  • Short coverage periods of less than 10 years
  • Longer coverage periods of 20 years or more
  • The ability to renew terms up to the age 75 or 80.

Your premiums are guaranteed to stay the same for the term that you choose. A feature called renewability allows you to renew your coverage for additional terms at an increased premium level. You don't need to provide new or additional health or medical information. The death benefit remains the same as long as you continue to renew unless you choose to reduce it.

Who buys it?
People who want affordable protection to cover a temporary, often large, need like a mortgage or business loan. It also offers a solution for business owners who want to protect against the loss of a key person in their business.
( A key person may be an owner, partner or employee who is vital to the success of your business).

Is Term Insurance right for me?

  • I need to protect some temporary obligations I have
    (e.g., child's education, mortgage, loans)
  • I need an affordable insurance option now.
  • My budget will determine how much coverage I can afford.

If you answered yes to many of these questions, term life insurance may be the right choice for you. Call 506 214 5433 for pricing.

Did you know?

Term insurance has a convertibility option feature that lets you switch to permanent insurance without having to re-qualify by giving new medical evidence.


Health Plans Life Insurance Critical Illness Insurance Long Term Care Insurance
Disability Insurance Estate Planning Group Conversion Business Solutions Contact Us