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Protect Your Family and Business With Affordable Term insurance and Whole Life Insurance
If you have a family, term life insurance is one of the simplest and most affordable ways you can help protect their financial future. Whole life insurance and permanent insurance are an important financial tool that enables flexibility and long term affordability to help protect your family, business and your estate well into the future.
Whole life insurance and Term life insurance through The Delsan Group are both smart decisions — here are a few reasons to get your quick, no-obligation quote today.
Key Features and Benefits of Term Insurance
- AFFORDABLE
Rates start under $20 per month for $500,000 in coverage(1). - TAX-FREE
Your beneficiaries receive the death benefit tax-free(2), which they can use
to pay off debts, cover day-to-day expenses and more. - PORTABLE
Unlike coverage you may have through your employer, you can keep your policy if you change jobs. - FLEXIBLE
Choose a coverage amount between $50,000 and $10,000,000. Also choose the length of time you want coverage for—from 5 to 40 years(3). At the end of your term, you can renew for another term at pre-disclosed rates(3). - GUARANTEED
Premiums and coverage amount are guaranteed not to change for your entire policy term.
Key Features and Benefits of Whole Life Insurance
- GUARANTEED
Premiums and coverage amount are guaranteed for your entire life. - CASH VALUE
The policy builds up over the years a tax exempted cash value that could be enjoyed later in life for retirement or any other need, through a collateral loan or by just taking it out.(4) - TAX-FREE
Your beneficiaries receive the death benefit tax-free(2), which can be used to pay final expenses, funeral costs, estate equalization and more. - FLEXIBLE
Choose payment durations that fit best with your budget and lifestyle.
Whole life insurance is often called the “foundation of a good financial plan.” Although many purchase whole life insurance to permanently protect their family or business in the event of a death, it’s actually a multi-faceted financial tool. It’s a unique asset, that because of its accumulating cash value and tax favoured benefits – may be used to solve some of life’s most perplexing financial issues, when strategically well structured. Here at Delsan Group Inc., we help you structure the policies in a way to maximize your tax savings and benefits.
- Rate based on a $500,000 Term-10 policy for a male, age 30, non-smoker (to be calculated!)
- Note that probate fees are applicable if you have not designated a beneficiary and the proceeds of your policy become part of your estate.
- The maximum age these policies can go is up age 80 and with a few insurers up to age 85 then it lapses.
- If Cash value is just taken out not trough a loan, part of the money taken out or the full amount may become taxable at that point.
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As an insurance broker we are able to provide you with life insurance quotes from
most insurance companies in Canada to ensure you receive the best rates.