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Who Should have Life Insurance?

The short answer is, just about everyone has a need for life insurance, no matter what age - coverage is even available for children. If you're married or single, whether you have family members who rely on you financially or not, chances are, you may need life insurance.

Head of Households

As a key member of your household, you provide care and financial security. Life Insurance is a way to help ensure household expenses and care needs - like your children's education, your spouse's or partners retirement or help aging parents, continue to be taken care of.


Your home is more to your family than just a roof over their heads. A Life insurance death benefit may be used to make monthly mortgage payments or even pay off a mortgage entirely. Life Insurance can provide added reassurance that your family will continue to have the comforts of home.

Business Owners

If you own a business, life insurance can help protect your estate from business creditors, so you're able to leave your loved ones or business partner with exactly what you intended the. Life insurance can also be a tax effective way to help transfer a family business to the next generation.

Life insurance death benefit may also be used to help pay off business debts and other financial obligations, helping to ensure that the business you've worked so hard for will carry on.

Those who think of others

Life insurance offers a way to give your children or grandchildren something for their future. Or use the life insurance to leave a generous gift to a favourite charity or cause.

The death benefit of a life insurance policy is the amount of money paid or due to be paid when an insured person dies. The death benefit is paid, Tax Free, to the beneficiary designated by the policy owner.
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