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Live your life to the fullest knowing that your loved ones will be financially secure in the unfortunate event of your passing.

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Excellent

4.8

Based on 505 reviews

Barb Kraler

I found Dornaz very helpful at brokering the best travel insurance from various vendors that will meet my personal needs

Sharon Opheim

Dorman was most helpful in arranging my travel insurance, very friendly and knowledgeable , I feel I’m safely covered and ready to enjoy my upcoming vacation!Thankyou so much 🙏

Manuel Araujo

Just dealt with Sehar Bajwa to obtain a travel insurance for myself and my spouse, she was very patient and answered all my questions that I had. My insurance was completed within minutes and confirmed, she got me the best price compared to other insurance companies that I contacted.Thank you Sehar and all the best.

Dave Penney

Today I had the pleasure of dealing with one of your agents, Dornaz Samiei, to obtain travel insurance for an upcoming trip. Dornaz was knowledgeable, professional, courteous and cheerful in her interaction with me. It was a real pleasure being served by a representative with these desirable qualities. You are very fortunate to have her as an employee. Please convey my appreciation to Dornaz for a job well done!David Penney

Ron Synchena

I was a pleasure working with Dornaz getting our travel insurance. She was so pleasant and helpful and took the time to shop for the best deal. We lost connection and she called back immediately which is getting to be a rare trait these days. Muchly appreciated and thanks.

Frontline Arctic Security

My experience with Alliance Services Corp. Everything was excellent, and the agent I interact with was really up to his game. He answered all my questions clearly and helped me out.

Heather MacKenzie

Dornaz was very helpful in arranging medical and trip cancellation insurance for my family. I called back with multiple questions and she provided clear answers. She is efficient and a pleasure to work with - I highly recommend her!

Ella

Dornaz and other Alliance agents have provided exceptional service. Thank you Alliance, (price was good too). Bozena E.

Maria Costantino

Excellent and caring customer service

Shiraz Ali

Dornaz at alliance was very efficient to get my travel insurance stated. Prompt service and she seems very professional.I felt comfortable dealing with her on the phone and very detailed about how the coverage worksI will definitely in future go back to AllianceThank you Dornaz

Victoria Fudge

Excellent customer service from Dornaz. Thank you kindly for the great service & for explaining everything so well to me. Much respect.

Catherine Onishi

Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.

Linda Taylor

Dornaz helped me with extended travel insurance, she found me an excellent rate! She was very kind and professional. In the future Dornaz will be my go to agent. Best Wishes Dornaz!

Kawtar Manyari

Dornaz is great agent!

ron raymer

Artmiz was very professional and quick to answer all my questions . She was very knowledgeable of her products. Thanx Artmiz

stephen ott

Dornaz was informative, efficient and thorough. She found the best rates with options

Wayne Kemp

Dornaz and Alliance has treated me well so far. Trip doesn't happen until the fall

Geri Fazakas

Sehar Bajwa was my agent providing trip cancellation, interruption and baggage insurance for an upcoming international flight. She was very thorough and patient providing me with the information required to make this a smooth and quick transaction. Thank you Sehar.

Gary

Very informative and willing to find us the best quote to suit our needs.

Ingrid Cameron

Sehar bejas looked after my travel insurance in a pleasant, knowledgeable and professional manner

Marilyn Kelly

Sehar was very patient with me and explained different options for our travel requirements. We saved money buying travel insurance through your company. Thank you Sehar!

Denise Keep

Great advice.

Ellen Wilson

Dornaz was great at finding good medical coverage for myself and daughter.thanks so much

Gregory van Duyse

Had a great experience working with George. He was able to save us money on our Group Insurance policy. Professionalism, great communication and great follow up. Thank you.

Doris Concepcion

I always get great service from R'ceino and Artmiz that's why I keep coming back to your company for our family's travel insurance. Thank you.

Kathryn Kates

Dornaz eas extremely helpful and a pleasure to deal with.

Etienne Pinto

I dealt with Dornaz regarding our medical insurance during our trip to Europe.Found her to be knowledgeable, polite and patient .

Debbie Cain

I appreciate the patience with me and quick and great service. I feel much better now that this part of the process is over

anne chang

VERY KNOWLEDGEABLE, HELPFUL, AVAILABLE. GREAT TO WORK WITH!

Cindy Kent

Dornaz was the agent that reached out to me. She was helpful and explained the travel coverage to me. I decided to purchase the coverage. She was helpful and patient.

Betty McNaught

Dornaz answered promptly. She was knowledgeable and provided exceptional service.

Pamela MacCrostie

Sehar Bajwa helped me secure the additional top-up trip cancellation/interruption and baggage coverage (aka the non-medical package) for my upcoming vacation. She was knowledgeable, helpful, and quickly answered my questions. And when our call dropped she immediately called me back. It was a pleasure working with Sehar. She made shopping for and purchasing travel insurance simple and easy. Allianz (aka Alliance Income Services Corp) has the best value for travel insurance.

Brenda Ciolfi

I've just purchased comprehensive travel insurance from Agent Sehar Bajwa. What a pleasure to work with her. Sehar's professionalism and patience were outstanding start to finish!! Communications, documentation and follow-up were very clear.

Chris Penny

I’ve had the pleasure of dealing with Sehar Bajwa for all my travel insurance needs. She is unfailingly pleasant and professional. I will continue to count on her knowing that I’m in very capable hands.

Ingrid Swenker

Excellent service from Sehar Bajwa. Not pushy answered questions and got the policy to me quickly. Thank you

Lynne Fulcher

Sehar was very helpful. Made the process painless!

estolte

Sehar Bajwa was the agent with whom I spoke. She was very helpful and efficient. I was also quoted Travel Cancellation and Interruption Insurance by two other agents at different companies. I went with Sehar because she provided me with the most thorough information and an excellent rate.

steve R

Wow what a great experience these guys are so knowledgeable.

Parfiano

I recently had the pleasure of working with Dornaz at Allianz global assistance who helped me secure health and dental insurance, and I couldn't be more satisfied with the experience. From the moment we started the conversation, she was incredibly knowledgeable and attentive to my needs. She took the time to explain all my options clearly, ensuring I understood the details of each plan.What stood out the most was Dornaz’s patience and willingness to answer all my questions, no matter how small. She made the entire process smooth and stress-free, guiding me through all the process and making sure I felt comfortable with my decision. Thanks to her expertise, I feel confident that I chose the best health insurance plan for my needs. I highly recommend Allianz Global assistance services to anyone looking for reliable and friendly assistance in navigating health and dental insurance options! From my experience, Allianz Global assistance is the best insurance company outta here!

Tom Smith

Agent was very pleasant and efficient in providing an immediate quote

John MacDonald

I was researching for a travel emergency medical plan for seniors. Allianz was on my list but I hadn't made contact as yet. I received a call back from Ummi Hanny of Alliance as a result of one of my queries and I'm delighted with the result. She listened and guided me through the process with great skill, knowledge and understanding. She forwarded a quote and afforded me time to consider the offer over the weekend and we would reconnect early the next week. This also gave me time to continue my research with a better understanding. which I much appreciated.We spoke on Tuesday and concluded the signing of the coverage offered through Alliance. It was the best plan for me, coverage wise, duration and financially. The fact that Alliance is a European based company is a plus as that is where I'm traveling as well as non U.S, based.Ummi's engaging style lead to these discoveries for me. She was attentive, knowledgeable, personable and genuine. She represents her organization extremely well and I would not hesitate to recommend Alliance and/or engage your service in the future.SincerelyJohn S. MacDonald

Eva Young pow

Sehar Bajwa was very efficient, professional and knowledgeable. I was extremely pleased with her prompt service and pleasant personality.

Beth Foster

Your customer service caller was so helpful. I felt confident going ahead and signing up for health insurance for my upcoming trip. Thank you for your patience and friendliness during the call. I feel better about spending a few days in the United States knowing I have health coverage.

Why do I need Seniors Life Insurance?

If you are over 50 and still have financial liabilities that would pass on to those you care about after your passing, you should consider purchasing Seniors Life Insurance. Besides helping your loved ones to settle your financial obligations, your policy can also pay for your funeral expenses and provide tax-free financial support to your beneficiaries.

Seniors Life Insurance policies are purposely designed for older Canadians, so even if you have pre-existing medical conditions, our agents can help you find a suitable plan.

Can I get Seniors Life Insurance with pre-existing medical conditions?

Depending on the state of your health, you may choose between fully underwritten policies and simplified underwriting insurance plans.

Fully Underwritten policies are the standard Life Insurance plans designed for healthy individuals and have the lowest premiums. If your medical issue is not serious and well-managed, you may still qualify; our agents can help you determine if you are eligible for full underwriting.

Simplified Issue or Non-Medical policies do not require a medical exam. You will still be required to complete a medical questionnaire, and depending on your answers, your eligibility and your premiums will be determined. This is an excellent option if you have pre-existing medical conditions.

Guaranteed-Issue plans are hard to insure individuals who do not qualify for Simplified Issue policies. Such plans exist as an option for those with serious medical conditions that significantly raise their odds of passing away.

Is there an age limit for Seniors Life Insurance?

Most term policies expire at a maximum age of 85 and most insurance companies do not provide term-life coverage if the applicant is above the age of 75. Term policies guarantee a lump-sum payout to your beneficiaries if you pass within the agreed upon time period, or “term”.

While seniors below the age of 75 can likely qualify for any policy, if you are above that age, permanent Life Insurance (or Term 100) may be your only option. Such plans guarantee a lump-sum payout if you pass away at any age but have higher premiums.

What factors influence the price of Seniors Life Insurance?

Your insurance premiums will depend the most on your medical situation, age, lifestyle, gender, and whether you smoke or not. The state of your health will determine if you can qualify for a regular plan or will need to apply for a simplified underwriting policy; the latter would increase your premiums. The older you are and the more dangerous your lifestyle is, the higher the premiums. In general, women pay less than men due to higher life expectancy. Finally, smoking significantly impacts the price of your policy, so much as doubling your premiums.

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 elect a charity as a beneficiary.

Types of Seniors Life Insurance in Canada

The two main categories of Life Insurance are permanent and term insurance. Seniors can generally choose from the same types of plans as younger Canadians; however, term policies have age limits.

Term policies guarantee a lump-sum payout to your beneficiaries if you pass within the agreed upon time period, or “term”.

Permanent Life Insurance plans (including Term 100 policies) guarantee a lump-sum payout if you pass away at any age, but have higher premiums.

Plans can either be fully underwritten or issued through simplified underwriting.

Term Life Insurance

It can be purchased only when the applicant is below the age of 75 and is only issued until the age of 85. At the end of the agreed upon term, the coverage ends. Payout is guaranteed only if the insured passes away within the policy’s term. This type of Life Insurance is generally the least expensive.

Term 100 Insurance

It is essentially an upgraded version of Term-Life Insurance. It is considered a permanent insurance product and guarantees payout if the insured passes away at any time, while premiums are payable until age 100.

Participating Whole Life Insurance

It 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. Insurer’s gains can be distributed to the policyholders through a yearly dividend, although it is not guaranteed.

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 lower premiums.

Purchase Your Plan Early

Your age can significantly impact 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.

Purchase Your Plan Early

Your age can significantly impact 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 Seniors Life Insurance Rates in Minutes

Honest Rates. Dependable Coverage.

Our Reviews

Why do I need Seniors Life Insurance?

Types of Seniors Life Insurance in Canada

Term Life Insurance

Term 100 Insurance

Participating Whole Life Insurance

Universal Life Insurance

How to Save Money on Life Insurance?

Are You Healthy?

Purchase Your Plan Early

Are You a Smoker?

Renewing Your Policy?

Are You Healthy?

Purchase Your Plan Early

Renewing Your Policy?

Are You a Smoker?

Seniors Life Insurance Quote Form

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