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4.8 Stars

Our Reviews

Excellent

4.8

Based on 629 reviews

Don LeBlanc

I request quotes from the company re travel insurance and dealt with agent, Theresa Heuser, she was very informative and knowledgeable of the packages offered by Alliance Income Services. She made my inquiry very easy and straight forward to understand.

marilyn campbell

Your employee Dormaz was amazing. Very helpful explaining the coverage I purchased and the amount charged. She was very prompt in getting back to me.

Bets Roos

Outstanding service! Excellent, prompt, friendly and knowledgeable travel and medical insurance service given by Ofir throughout various interactions.Thank you very much, Ofir, your assistance is highly appreciated!

Marilin MBrace

Dornaz was very professional, knowable and friendly.

Debbie Stevens

Polite, helpful and efficient with a sense of humor. Great person to help customers.

Z. H.

Karen was very helpful in this process.

Cathleen Seamone

It was a pleasure talking to Karen Wright in ordering to purchase my travel insurance.She was very pleasant and knowledgeable.Thank you! Catherine (Cathleen Seamone)

Charles Boole

Sehar Bajwa gave me fantastic service for Medical Travel Insurance.She was knowledgeable about the products she had and which ones's suited me. Even though I changed the dates of travel for a single trip a few times she was patient with me and gave me exactly what I wanted.If you ever want Travel Insurance ask for Sehar Bajwa.A More Than Satsified Client

Marian Avery

Very easy process to book insurance by Ofir.

Steve Shin

Ofir provided exceptional service in helping me secure emergency travel medical insurance. I had some very technical questions regarding top-up coverage and stability periods, and Ofir answered all of them clearly, promptly, and professionally. He made a potentially stressful and confusing process completely seamless and ensured I had the exact, safe coverage I needed. Thank you, Ofir, for the outstanding support and peace of mind!

Christiane Delon

It is the second time that I deal with Karen Wright to insure my trips and I am very happy with her service. She is competent, efficient, profesional and very courteous. I'll will call her again for my next trip.

Sara Raizel

Process was quick and easy, Ofir was pleasant and knowledgeable and helped me out start to finish in just a few minutes. For a future trip I will probably get other extended coverage as well, as for this trip we bought only medical and indeed unfortunately needed it

Rhonda Handlechner

Dornaz was knowledgeable and easy to deal with. She gave me a rundown on the policy and made me feel at ease.

Mimi Alam

Excellent customer service, professional and courteous. Thank you Karen Wright.

warren faleiro

Very helpful and easy to do business with. I needed travel insurance and got lots of quotes to compare. Purchase was painless and fast

Laura Courtney-Clarke

Thank you Karen Wright, for your very fast, efficient service to obtain my travel insurance. A quick medical questionnaire to complete, payment done, and I had it in my inbox ready to print. Effortless ! A good choice !

leslie mcculloch

Sehar was very knowlegable, understood my needs and was very helpfull setting me up with my coverage as well as explaining the contract. It made the whole process go very smoothly.Les McCulloch

Valerie Roth

Dornaz is great to deal with. She made me feel that no question was a dumb question. Very helpful.

Larry Kellock

Karen Wright provided outstanding and timely service setting up the policy for our trip. Nice to have a piece of mind at a reasonable price for our trip

L.M.

Always a positive helpful experience with Dornaz. For all your travel insurance needs i would definitely recommend Dornaz with Alliance Insurance

Juliet Stephens

Karen was very efficient and friendly. She explained details in a very respectful way and we would be happy to deal with her in the future.

Bernie Lehmann

It's always a pleasure to deal with Karen Wright. She is always very helpful and courteous.

Bobbie Violante

Karen was very helpful and great to talk to. I would definitely recommend her to any of my friends wanting insurance.

mary Mulder

I just want to say that my experience with Muhammad sorting out my trip cancellation insurance was the best I could have hoped for - he is patient, knowledgeable and answered all my questions.

T Rum

Karen made this experience so easy and less stressful than I thought it was going to be. She was very professional and was able to answer all of my questions thoroughly and made me feel a little confident that I was getting a good product from her.

Selina Allen

I wanted to thank Dornaz on being very helpful for answering all my questions. She was very polite and patient. I had a a lot of questions.

haitham saadedin

I bought health insurance to my company emloyees, and luckily I dealt with Teressa, She was amazing, understanding so helpful.did not bother her I made some changes and mistakes she kept working with me guide me spontaneously , its like we were sitting in same office ..kept going and get the job done as I like, Thank you Teressa, Thank you Alliance income Services

June Caine

Once I was able to get through on the phone, Karen was excellent. She was very friendly, patient and informative. She worked things out with me until she found the policy that I needed.

Magda Mahdy

Knowledgeable, curtis and efficient. I am very pleased with Karen expertise and professionality. Definitely I will use her service again.

Joe Wery

Sehar Bajwa was knowledgeable and provided explanations for all insurance coverage. Process was simple and easily done over the phone.

Angele Faucher

Muhammad was very patient with me while I decided.i recommend dealing with Muhammad .I think having insurance puts my mind at ease.

Sylvain

I always like to shop around to get the best deal, without compromising quality.My research brought me to Allianz and I was contacted by Sehar Bajwa, who answered all my questions and sent me an email with all the details.Not only was Allianz the best price, I also got good service from Sehar.I hope that I will not need the insurance but if I do, I hope the good service I have received so far, will continue.Thank you Sehar.

Heather Sutherland

Good assistance.

Dale Hildebrandt

Dornaz provided our travel insurance efficiently and promptly. Her communication was clear and professional. Very pleased to work with her!

Mary Bortignon

I recently had the pleasure of dealing with Muhammad regarding travel insurance. I can't say enough about him. I had a few issues created by my Costco m/c. He went above and beyond to make changes to my policy because of m/c. I certainly won't hesitate contacting him in future for future travels or recommending him to friends & family. Thank you Mary Rate 110/100

Mary B

I had the pleasure of meeting and working with DORNAZ for my personal health and dental insurance. She is an absolutely incredible. She listened to me and provided detailed information during our first call. She was very diligent in following up with me by email. She was very patient as I had changed my request after she did everything. I can honestly say that she might be one of best people I have spoken to in the customer service industry.She is a valuable asset.Thank you DORNAZ !!!!!!

Kathleen Magladry

Muhammad at Alliance was helpful and responsive.

Alexandria

Very responsive to my many questions and super efficient process

Miriam Hartman

It was a pleasure dealing with Muhammad . Would deal with him again.

Jackie Keir

Muhammad was excellent, it took a few days because of technical problems, not Alliance issue. Will definitely use again, got us the best price for travel insurance. Thanks Muhammad

T Nguyen

We have previously obtained travel insurance with Alliance through Costco Travel insurance. After Alliance email reminder, I have filled out request for multiple trip quote. Sehar Bajwa called back and helped me to complete the application. I received by email the Manulife Travel Policies right after. Thanks

valerie szilock

I worked with Artmiz to arrange travel insurance. She was very helpful ,answered my questions and clearly outlined my options. I will use Artmiz at Alliance for future travel.

Maria

My agent is Muhammad Suleiman

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 repay the withdrawn amount.

What type of Life Insurance should I get?

There two main types of Life insurance policies: Permanent Life Insurance and Term Life Insurance.

Permanent policies guarantee a pay out to the beneficiary if the insured passes away at any point in time as long as the premiums were paid. On the other hand, term policies pay out benefits only if the insured passes away within the agreed upon length of their policy.

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.

How much Life Insurance coverage do I need and how much will it cost?

The amount of coverage you need depends on your financial situation and desired benefits for your loved ones. If you are the primary breadwinner and have mortgage debt, financial experts advise to get at least 10 times your annual salary in coverage. Thankfully, increasing the amount of coverage usually does not impact your premiums significantly.

The price of Life Insurance is influenced by the level of coverage and benefits, as well as the age and health situation of the insured individual. Young and healthy Canadians pay as little as $30 in monthly premiums, but rates increase with age and health problems. For this reason, experts suggest purchasing a Life Insurance plan while you are young and healthy.

Types of Life Insurance in Canada

There two main types of Life Insurance policies: Permanent Life Insurance and Term Life Insurance.

Permanent policies guarantee a pay out to the beneficiary if the insured passes away at any point in time as long as the premiums were paid. On the other hand, term policies pay out benefits only if the insured passes away within the agreed upon length of their policy.

Let’s examine the sub-categories of the two types of Life Insurance:

Permanent Life Insurance

Permanent Life Insurance, otherwise known as “whole life insurance”, as it covers you for your whole life. It will sometimes build value over time. With this type of life insurance, your premium is typically guaranteed not to increase.

Term Life Insurance

Term Life Insurance can generally be purchased for up to 30 years. At the end of the agreed upon term, the coverage ends. This type of Life Insurance is generally the least expensive.

Participating Whole Life Insurance

Participating Whole Life Insurance unlocks an investment component, allowing the insured to earn dividends, and increase coverage. Premiums from participating policies are pooled together and invested by the insurer, increasing their cash value.

Universal Life Insurance

Universal Life Insurance policies often have variable premiums that increase along with policyholder’s age. Such policies share the same characteristics as Participating Whole Life Insurance plans while providing extra flexibility. However, the policyholder is responsible for their investing which will influence the cash value of their policy.

How to Save Money on 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 a 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.

Are You a Smoker?

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

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Get Life Insurance Rates in Minutes

Honest Rates. Dependable Coverage.

Our Reviews

Why Do I Need Life Insurance?

Types of Life Insurance in Canada

Permanent Life Insurance

Term Life Insurance

Participating Whole Life Insurance

Universal Life Insurance

How to Save Money on Life Insurance?

Are You Healthy?

When Is Your Birthday?

Are You a Smoker?

Renewing Your Policy?

Are You Healthy?

When Is Your Birthday?

Renewing Your Policy?

Are You a Smoker?

Life Insurance Quote Form

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