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4.8 Stars

Our Reviews

Excellent

4.8

★

Based on 341 reviews from

★★★★★

I had a very good experience with Dornaz. She was very helpful and got my policy together quickly. I will certainly recommend her to my friends.

Steve Staples

★★★★☆

Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.

Yogashiatsuyucatan Donypaola

★★★★★

Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and family

Chris Dingsdale

★★★★★

Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.

Carolyn Cassells

★★★★★

Theresa Heuser is professional and competent in the insurance process. A pleasure!

Ronald Biron

★★★★★

What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.

John Dawkins

★★★★★

great service by the phone and email.

h m

★★★★★

We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!

Jacob Steinberg

★★★★★

We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.

Kathy Castle

★★★★★

It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.

Tom Brailsford

★★★★★

I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks Ummi

Jeff Lang

★★★★★

We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,

Heinz Krieger

★★★★★

Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.

Milos Rudolf

★★★★★

Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.

Tracy Hastings

★★★★★

I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.

Lise Beaulne

★★★★★

Ummi. was very helpful and pleasant. Bill

william rock

★★★★★

Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.

Danny Chin

★★★★★

My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.

Stephanie Rumble

★★★★★

Eric and Bob were both extremely helpful and attentive to my needs.

Paul Cody

★★★★★

Teresa was great. Addressed all my concerns.

Robert Carter

★★★★★

The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.

Simin Meshginnafas

★★★★★

I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍

Mark Engel

★★★★★

Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .

Michael Boudreau

★★★★★

Excellent service by Eric Clementi and Ryan

margaret burns

★★★★★

Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.

Bonnie Smith

★★★★★

Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.

Marsha Risser

★★★★★

I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.

Marilee Van Buskirk

★★★★★

It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.

Mohinder Banga

★★★★★

I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!

Bruce Yee

★★★★★

Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!

Beverley Howick

★★★★★

Eric Clementi is the man

Yunus Patel

★★★★★

I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.

Muhammad Koya

★★★★★

It was pleasure working with Mariam and Eric. We are seniors and trying to get a reasonable price for travel insurance.

Fay Bellefontaine

★★★★★

I sent an email yesterday. They called today. Marion and Eric were excellent. Highly recommend this company. Rates are excellent too

Annette Chisholm

★★★★★

Eric was fantastic. Quick , easy and affordable.

Tracey Peer

★★★★★

Eric was very professional and found the best plan for me at this time.

Trev Hutchins

★★★★★

Eric Clementi was an absolute pleasure to work with. Very professional and courteous.

Berit Lys

★★★★★

Artmiz, must be the best Agent I have ever dealt with. She is articulate and has a wonderful sense of humour apart from an intimate knowledge of her products. She demonstrates a quick grasp of what people actually need (or don't need) and points quickly to available options. She is actually the only Insurance Agent I feel like calling back again. Great work Artmiz !!

Malcolm Khan

★★★★☆

Artmiz was very helpful and polite.We would certainly consider using Allianz again

Victor Leblanc

★★★★★

Artmiz Namazi is one of the most pleasant people I have ever dealt with. She was polite, personable, and helpful on the telephone. She promptly replied to both phone calls and emails. It was a pleasure to deal with her. The price of the insurance was more than reasonable.

Patricia Kostrich

★★★★★

Artmiz Namazi is very helpful, patient & just a delight to speak with doing businessWe have dealt with different people for travel insurance over the years & some could take some lessons from Artmiz

Joan Fleming

What is Joint Life Insurance?

Joint Life Insurance amalgamates the mortality rates of the policyholders through mathematical formulas to issue a single policy that is, in most cases, less expensive compared to purchasing separate policies for each person. This is unlike Combined Life Insurance policies which provide only minor savings when a couple purchases individual policies from the same insurer at the same time.

Applicants for Joint Life Insurance do not have to be married. As long as there are sufficient reasons to insure the life of the other applicant, insurers will provide coverage. You can even purchase Joint Life Insurance with a business partner to settle liabilities after either person’s death.

Why do I need life insurance?

Life Insurance safeguards your dependents from financial hardships following your passing. Life Insurance is a necessity if your spouse and children, or other individuals you care about, depend on you financially. Your policy provides you with peace of mind that in the unfortunate event of your death, your loved ones will be able to maintain their quality of life.

Depending on your chosen coverage, your Life Insurance policy can help offset or completely cover the costs of a funeral and any debts you may have, as well as provide your beneficiary with a source of income.

As an added benefit, if you need access to funds, certain policies will allow you to withdraw your accumulated premium payments. However, the amount paid out in the event of your passing will decrease if you do not the repay the withdrawn amount.

How is the cost of Joint Life Insurance calculated?

Through actuarial mathematical formulas, the insured individuals’ data is combined to form a single individual on whom the price of the policy will be based.

Let’s assume a husband and wife, both healthy and 40 years of age, purchase a First-to-Die policy. Their premiums will be similar to a healthy 46-year-old male on an individual Life Insurance coverage with the same benefits as theirs. The amalgamated age of the couple is higher than their average age because the probability of either of them dying early is higher than that of both of them passing away early.

If the same couple purchases a Last-to-Die policy, their combined premium will parallel that of a healthy 31-year-old male. In this case, their amalgamated persona reflects the likelihood of at least one of them living a long life.

Can I name multiple beneficiaries?

A beneficiary is an individual who receives the cash value of your death benefit. You will be required to name such a person when you purchase your Life Insurance plan. If you so wish, you can name multiple beneficiaries and divide the cash value of your policy among them either equally or according to a set percentage. If a beneficiary passes before you do, you can elect a contingent beneficiary in their stead. You may also choose a charity as a beneficiary.

Types of Joint Life Insurance in Canada

There are two types of policies you can purchase under the Joint Life Insurance umbrella:

Joint First-to-Die

It pays the death benefit when one of the insured individuals passes away. It is typically purchased when partners share financial obligations, and the death of either partner would significantly reduce the ability of the other partner to meet those obligations. The policy’s cash value could be used for mortgage payments, other debts, funeral expenses, income replacement, or any other purpose. Some insurance companies offer double payout if both insured individuals pass away within a very short period of time if beneficiaries outside of the policyholders were named.

Joint Last-to-Die

Joint Last-to-Die pays the death benefit when both insured individuals pass away. This policy is purchased to provide financial support to the couple’s children or other financial dependents. When an insured individual dies, the other insured person will have to continue making premium payments until they pass as well.

How to Save Money on Joint Life Insurance?

The best way to save money on insurance is to shop around and compare rates from different providers. This can be an exhaustive and time-consuming process. Thankfully, Policy Rates takes care of it for you! When you request a quote through our website, we check what rates you can get from every major Canadian insurer.

Policy Rates provides you with the lowest rates for the level of coverage that you desire from top insurance companies.

Are You Healthy?

If you are healthy and can qualify for regular life insurance, apply for a fully underwritten policy to pay significantly lower premiums.

When Is Your Birthday?

Your age bracket impacts your premiums. Avoid higher rates by purchasing a policy before your next birthday.

Are You a Smoker?

Smokers can pay up to 100% more for the same level of coverage. Consider quitting for a considerable reduction in your premium payments.

Renewing Your Policy?

Rates can change over time. Instead of renewing your plan, shop around for a new policy or consider converting your term plan to permanent Life Insurance.

Are You Healthy?

If you are healthy and can qualify for regular life insurance, apply for a fully underwritten policy to pay significantly lower premiums.

When Is Your Birthday?

Your age bracket impacts your premiums. Avoid higher rates by purchasing a policy before your next birthday.

Renewing Your Policy?

Rates can change over time. Instead of renewing your plan, shop around for a new policy or consider converting your term plan to permanent Life Insurance.