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What about the Life Insurance I already have?

You may already have some life insurance in place through your employee benefits or attached to your mortgage. This is a good start, but there are a few things to keep in mind.

  • Life insurance through your mortgage provider is paid to your lender, not to your family. It only covers the outstanding balance of your mortgage. Nothing is left over to help your family with the other expenses they may face.
    Read more about Smart Mortgage protection...

  • Life insurance through your employee benefits is a very affordable way to begin your life insurance program, but it's important to make sure this coverage is enough to meet your needs. You may be able to buy additional coverage, up to a maximum, through your employee plan. Remember, this insurance doesn't go with you if you change employers, it ends when you retire and can increase in cost each year as your age increases.
Take a Closer Look

Advantages of a personal, individually
owned life insurance policy:

  • You select the amount of insurance that meets your needs.
  • You choose the type of life inusrance and any optional types of benefits (eg. disability, coverage for your family members, etc.) best suited for your personal situation.
  • You own the policy. Your coverage can't be cancelled (eg. by your mortgage lender or employer) or changed unless you request it.
  • You don't have to worry about losing your coverage
    if you change jobs or switch mortgage lenders.



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