When considering buying life insurance we often think about providing for our loved ones. But what happens when you pass away? What can a beneficiary expect when filing a life insurance claim?

One of the many challenges facing a diabetic is when it comes to qualifying for life insurance coverage.

When a person is diagnosed with diabetes, life insurance policies can become unaffordable or unobtainable. This is because life insurance policies are underwritten by the insurer and they can charge a premium based upon an applicant's health status. In addition, the insurer can choose not to issue the policy based on information from the applicant's health status. One of the major factors in approved premiums is control. How well is the Diabetes under control?

There are many kinds of life insurance, but they can generally fall into two categories, term insurance and permanent insurance. When comparing the two options you can draw parallels with your food choices, one option may have long term benefits and the other has immediate benefits.  Both options are good depending on what your short term and long term goals are.

It can be a time consuming undertaking, but if you have children or other dependents, life insurance should be of utmost importance. Few who have bought life insurance have been able to avoid the debate over term vs. permanent insurance. The wrong type of coverage can have an impact on your financial plans.

You may have already completed a life insurance needs analysis and determined how much coverage you need, but do you know how to pay for it? Your temporary needs may become permanent, but the cost of coverage may seem too high right now. So what do you do?

Empire Life has a solution that takes the worry out of having to choose which type of life insurance to apply for.

Empire Life Solution 10 & Solution 20 looks like and is priced like term life insurance, but the plans provide coverage for life.

What is a Super Visa?

As of December 2, 2011 Canadians may be eligible to apply for a parent or grandparent’s “Super Visa”. The Super Visa is a new option for those visiting Canada without the need to renew their status for up to two years.

Previously, wait times for parental sponsorship applications took up to eight years to process, now with the new Super Visa, parents and grandparents can be reunited with their families within 8 weeks.

Childhood obesity is a condition where excess body fat negatively affects a child's health or wellbeing. Childhood obesity has become an increasing problem in North America and around the world.

If you are a smoker and you are in the market for life insurance in Canada, you know that smoking does cost you significantly more than a non-smoker.

When reviewing files of new clients, I notice that many of their existing life insurance polices in many cases do not have a waiver of premium option as a rider in place. Most insurance companies can provide this benefit on life insurance policies for a minimal amount and should really be considered when applying for life insurance coverage.

Don’t want to pay for life insurance for the rest of your life? Well, you are in luck, there is a paid up solution. It is a fully guaranteed limited-pay policy. The premiums are due for a 10 or 20 year period at which point the policy is fully paid up.

As you probably know, life insurance is important to help your loved ones cope with the financial obligations that arise following your untimely death. However, you may find the selection process for life insurance to be long and arduous. We have a solution that might interest you.

No Medical Life Insurance

When you get a life insurance quote, you may get confused with the age displayed on the illustrations. You may come across one of two ways of calculating your age;

1. Actual age
2. Age Nearest Birthday

Did you know that 50% of those aged 65 and over will require long-term care in their lifetime* and many will receive their initial care at home and later in a facility.

Psychological impacts of the care, loss of dignity and stress will change the lives of your family and loved ones forever.

Who will take care of you at home?

Yes, that’s right. The Empire Life Solution Series of term life insurance products provide coverage for customers for as long as they live. And it gets even better.

We are pleased to advise that we have travel insurance online available through Manulife Financial.

Follow these steps to buy Life Insurance:

If you are buying a new policy to replace one that you have, do not cancel the old policy until you have your new one in place.