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Secure You Family With Best Insurance Policy In Canada

Home Owner

Ensure that the people you care about don't have to face any financial burdens when they inherit your assets, eliminate debts before it's too late.

Couple

No one wants to think about what happens when they're gone, but life insurance can provide comfort and security for the loved ones you leave behind.

Parent

No parent wants anything but the best for their children's future. Life insurance for parents provides peace of mind to avoid effect of any accident in future.

Why You Need Life Insurance & Mortgage Protection?

01.

Life Insurance

Do you live in Ontario, Canada and are looking to protect your family and loved ones against the unpredictable future? Life insurance can be an important part of a sound financial plan, as it provides peace of mind that your loved ones will remain financially protected if something should happen to you.

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insurance policy in canada
02.

Mortgage Protection

Are you considering buying a home in Ontario but don’t know how to protect yourself financially? Mortgage protection is an important thing to consider when taking out a loan, as it safeguards your investment from unexpected costs.

  • Mortgage Protection
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How does mortgage protection life insurance work?

Mortgage protection life insurance is a type of term life insurance that provides a death benefit to pay off the remaining mortgage balance in the event of the borrower’s death. The policyholder (borrower) pays a monthly premium and if they pass away while the policy is in force, the death benefit is paid to the lender to pay off the mortgage balance. This protects the borrower’s family from having to continue making mortgage payments or losing the home. The death benefit amount and premium payments are typically based on the mortgage balance and the borrower’s age, health, and other factors.

Why Life Insurance Is Important?

1. Financial Security

Life insurance provides financial security to your loved ones in the event of your untimely demise. The death benefit paid out to your beneficiaries can help cover expenses such as funeral costs, outstanding debts, and daily living expenses. This can ease the financial burden on your loved ones during a difficult time.

2. Income Replacement

If you are the primary breadwinner in your family, life insurance can provide a source of income for your loved ones in your absence. This can help ensure that your family can continue to pay for necessities like housing, food, and education.

3. Debt Protection

Life insurance can also be used to pay off any outstanding debts, such as a mortgage, car loan, or credit card debt. This can prevent your loved ones from inheriting debt, which can be a significant burden.

4. Estate Planning

Life insurance can be used as a tool for estate planning. If you have a significant estate, the death benefit paid out to your beneficiaries can help cover estate taxes, ensuring that your assets can be passed down to your loved ones.

5. Peace of Mind

Lastly, life insurance provides peace of mind. Knowing that your loved ones will be taken care of in the event of your death can be a significant source of comfort, especially if you have dependents or significant financial obligations.

See What People
Talk About Us

After serving thousands of happy clients, we got hundreds of positive feedback. We are proud to share some of the reviews from clients below.

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5k+ reviews
4.7/5

4.8/5

1860 reviews

4.6/5

1630 reviews

4.7/5

2100 reviews

4.7/5

940 reviews

“I have been extremely impressed with the level of service and attention to detail provided by their life insurance policy team.”

Emma Hart

“I have been a customer of PolicyGem for several years now. They have always provided me with excellent coverage and have been very responsive whenever I have needed to file a claim.”

Bill Edward

“This insurance company has been a lifesaver for me. I was in a tough spot financially, and they helped me find a policy that was both affordable and provided the coverage that I needed. Highly recommend!”

Mia Sophia

“So, I was looking for a mortgage protection policy that would give me the protection I needed without breaking the bank. I am so pleased with the policy I purchased. They made the process so easy and straightforward.”

Julia Miles

“The online application process was very simple and straightforward. I was able to complete it quickly and easily. Recommended”

Amy White

“I appreciate the flexibility and affordability of this life insurance policy. It has exceeded my expectations. Thanks to Policy Gem and it’s dedicated team for helping me out”

Jeremy Clark

F.A.Q.

Mortgage protection insurance is a type of insurance that pays off a borrower’s mortgage in the event of their death, disability, or job loss.

Follow Our 4 Step process to get your life insurance policy or call us to get a free consultation.

A life insurance policy is a contract between an individual and an insurance company in which the individual pays regular premiums. The insurance company agrees to pay a specified sum of money to designated beneficiaries upon the individual’s death.

To get a million-dollar life insurance policy, you will need to go through the application process with a life insurance company. This will typically involve providing personal and medical information, as well as undergoing a medical examination. The cost and terms of the policy will depend on factors such as your age, health, and lifestyle.