The best time to buy life insurance is as soon as you have liabilities, commitments and/or someone depending on your income.

We work together to figure out the most appropriate life insurance amount. It is important to neither be over or under insured. This is why part of the process is figuring out the gap between what you already have in place and what needs to be done.

The technical name for this life insurance plan is: Term Life Insurance. As it's name suggests, this plan covers you for a pre-defined term or period. The longer the term of this life insurance plan, the higher the price of the plan. And consequently, the shorter the term or period of this life insurance policy, the lower the price of the plan. For this reason, it is essential to establish the duration of the term life plan based on your needs or wants.

What are the main covers and extensions in a life insurance plan?

• Death due to sickness or accidental
• Total Disability due to sickness or accident
• Death due to passive war or terrorism 
• Total Disability due passive war or terrorism   

To purchase the right life insurance plan, it is important to consider all your options, understand the plan exclusions, and work with solid insurance providers.