Please use the Best Rate Calculator on the right and input your info…
Your date of birth – this is important as life insurance premium is calculated by your age
Sex – Male or Female
Are you a Smoker – Have you used any form of tobacco products in the last 12 month (up to a maximum of 12 large cigars per year are allowed)? For more detailed info on smoking and life insurance, click here. This is especially important if you smoke occasionally, or if you smoke things other than cigarettes (cigars, cigarillos, chewing tobacco, or even if you are on smoking cessation stuff like the patch, champix nicorette gum etc).
Duration – this is where you pick the length of term you want. The shorter the term, the less expensive the policy is. The best value is with the 10 & 20 year terms, and that is what most people really need. You could look at some of the longer terms, but keep in mind that they are more expensive. If you are not sure what you need, we suggest for you to call us and speak to an experienced agent that could give you more advice. Call 1-800-683-5423
Face Amount – this is where you pick the amount of insurance that you want to be covered for. Here is a tip… most people don’t pick enough, because they under-estimate what their family will need if they should pass away. One big mistake I see people make is, they pick “too long of a term” and because the longer terms cost more, they are forced to reduce the amount of coverage in order to be able to afford the premiums. That mistake could cost your loved ones hundreds of thousands of dollars. It would be better to pick a shorter term and get a higher face amount of insurance. Again, to get advice, call us.