Preferred and Elite Rates in Life Insurance

Preferred and Elite Rates in Life Insurance

Preferred and Elite Insurance rates are actually discounted rates that reduce your insurance rates from standard rates. People get entitled to these rates upon having a very good health and also a clear family medical history. The underwriting process in tha application stage identifies whether the rates are standard, preferred or elite. Some insurance companies apply preferred and elite rates, upon approval, only beyond certain face amounts, i.e $applied only beyond $200,000.00 of coverage.


We at are experts in explaining the the various types of life insurance that could protect the entire family. Please feel free to contact us at or at 1 416 509 2540. Please visit us for a no obligation quote or advice.

Term Life Insurance

is an extremely cost effective way to insurance yourself when your temporary ( or time bound) needs for insurance are high. During the years when we are raising our kids, have big loans to pay and also building our assets, term insurance could be a great fit.The cost of insurance ( or the premiums) are constant for the duration of the term. Policies are renewable and convertible.


Permanent Life Insurance

is essentially a coverage that is lifelong. It runs through our life assuring a payout upon death. The cost of insurance can be level or YRT and the payout is tax free. Its main purpose is :


Universal Life Insurance one of the best things that could happen in the world of Life Insurance. UL policy is when a permanent life insurance is merged with the possibility to have several investment options.

Your policy provides a lifelong coverage and at the same time you can save money within the policy to create tax-sheltered savings…

UL Policy ….an excellent way to build wealth that could actually become tax-free for your family. There are several options that could be customised for an individual.


Combining your term and permanent insurance: both are important.

People often wonder what is better, Term or Permanent Insurance. Both have their advantages and disadvantages. However, both have a significant role in our world of protecting our family, assets, incomes, family etc etc. Therefore, it could be a good idea to take a combination of Term and Permanent Insurance. It can be bought together in one policy , thus there could be some savings on policy fees and in premiums. It is a Think Smart approach to buying Life Insurance. ( Read More and watch a video)


Prepared by:  Aman Kapur


Our Testimonials

Cathy n Doug LamarreCathy and Doug L. ( Thorold ON. January, 2013)

We have been working with Aman for about 4 years. We feel that he was very informative and was willing to give us a lot of information relevant to us. He has been extending all the necessary courtesies in dealing with us and is very friendly. He is very flexible and was able to work around our very busy schedule.

Ulex L. ( Toronto ON. December 2012 ) on Aman:

I have known Aman for about 10 years. He is a very caring and a compassionate person who is always willing to help and take care of your financial needs. He has helped us in creating a strong insurance plan suiting out short and long term financial needs.




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