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4.8 Stars
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Our Reviews

Excellent
4.8
Based on 466 reviews
Lynne Fulcher
Lynne Fulcher
Sehar was very helpful. Made the process painless!
estolte
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
steve R
Wow what a great experience these guys are so knowledgeable.
Parfiano
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
Tom Smith
Agent was very pleasant and efficient in providing an immediate quote
John MacDonald
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
Eva Young pow
Sehar Bajwa was very efficient, professional and knowledgeable. I was extremely pleased with her prompt service and pleasant personality.
Beth Foster
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.
Evelyn Dickson
Evelyn Dickson
I went online for a quote. Then Sehar called me with a quote.Sehar was wonderful. So professional and easy to understand.It was a delight speaking to her. Also the price was the best.
krystyna Harasymowicz
krystyna Harasymowicz
Artemiz Namazi was very professional, patient, and friendly while helping me purchase medical insurance for myself, my husband, and my son.
Miriam Assouline
Miriam Assouline
I had a wonderful experience with this company! Ummi was incredibly helpful, professional, and kind throughout the entire process. She made everything so easy and stress-free. I truly appreciated her support and would highly recommend her to anyone. Thank you, Ummi!
Fern Michel
Fern Michel
Recently purchased Trip Cancellation /Interruption Insurance from them. Say their advertisement on Facebook. The company was easy to deal with and provided information to make an informed decision. Despite not be able to deal with my initial contact person, Artmiz was very attentive, helpful and thorough. The rating given was earned
Joe Kilford
Joe Kilford
Shana and George at Alliance were amazing to work with. They were very friendly and prompt in all transactions.
Theepan Moorthy
Theepan Moorthy
Sehar Bajwa she is very good helpful. Travel insurance very good purchas price .
Robert Grills
Robert Grills
As seniors in our + 70s we know travel medical insurance can be costly without taking out a mortgage. Fortunately our health is better than most our age or even some younger and understand Insurance Underwriters and Acturaries go by statistics. The agent we talked to Karen Write was absolutely patient and helpful. We were pleasantly surprised by the quote she gave, as the quote we had from another carrier was about 3 times more. Naturally we went with Karen Write at Alliance. We can't thank her enough for being so patient, undestanding and helpful. If in the future we are fortunate, health wise, to continue to travel we will definitely call Karen Wright at Alliance. CUDOS to Karen Wright
Edwin Drewlo
Edwin Drewlo
Clear Communication and assurance of service
Nadir Habib
Nadir Habib
i was very impressed with sehar prompt response and helped me through with me getting what i needed
Judy Howard
Judy Howard
Sehar Bajwa was very competent and helpful. I have dealt with her for 3 years and I always get the same quality service when purchasing travel insurance from her.
Danny Swain
Danny Swain
I have just worked with Dornaz Samiei in purchasing trip insurance, and she was informed, efficient and friendly. I couldn't ask for more. Thanks.
Kelly LePage
Kelly LePage
Sehar Bajwa was extremely helpful while we were searching for travel insurance for our upcoming trip. Sehar provided all necessary information and setting up the required insurance was very easy and well-priced
I R b
I R b
Geting tarvel insurance,all process to finalaize our insurance documents was pleasent because friendly (not puschy)and very profesional lady Sehar Bajwa thank you SEHAR
Len Hirsch
Len Hirsch
Simply an Amazing Individual. The Reason I buy my Insurane from.Allianz!!!!Thank You Dornaz!
Susan Madden
Susan Madden
Dornaz was very helpful and responsive to my requests which I really appreciate!
Susan White
Susan White
Thank you Dornaz Samiei for the above service you gave me today. You have so much knowledge and patience.
anne johnson
anne johnson
Great help by Alliance Sehar was a great help.
Maida Kellgren
Maida Kellgren
Dealing with Dornaz was such a pleasure. Great customer service!
Donna Hemming
Donna Hemming
Azita was very helpful and patient with me as I was trying to make my travel insurance choice. She called me back about 3 times and when I was finally ready, she was away and Dornaz was equally helpful in completing my application. I would recommend this company!
Dawna Shane
Dawna Shane
Very helpful and friendly people to deal with. Dornaz answered all my questions and helped me with my travel insurance. I would highly recommend this company.
Tina Rhodes
Tina Rhodes
I am very pleased with the service I received from Alliance. Dormaz was my contact. She was very friendly and easy to talk to. She answered all my questions with kindness, patience, and respect. She found me a policy which offered the coverage I wanted at a better price than I had been able to find on my own.
Robert Hamilton
Robert Hamilton
Very friendly and easy to talk with. Dornaz explained things clearly and allowed me to ask any questions.
Frances Heywood
Frances Heywood
Very friendly and efficient service!
marg marlin
marg marlin
Spent time searching for best options for my needs
Barbara Hanser
Barbara Hanser
Dornaz was extremely helpful to get the right travel insurance for us. She was very friendly and knowledgeable.
Darla Sward
Darla Sward
Ummi. Excellent representative. Very pleased.
Gail Campbell
Gail Campbell
Dornaz was very friendly and professional providing me with travel cancellation/interruption insurance.
hanne sajda
hanne sajda
I’m so happy in dealing with Ummi Hanny , she’s absolutely a star, she really helped me finding the right insurance for me.
Denise Morgan-Fell
Denise Morgan-Fell
Great travel insurance Dornaz was very professional.
A. Ron Algate
A. Ron Algate
Very pleasant, efficient and helpful
Brent Clayton
Brent Clayton
Very easy to set up policy on a ti.ely manner.
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Why do I need Term 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.

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.

 

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.

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 Term Life Insurance in Canada

There two types of products under the Term Life Insurance umbrella.

Term-Life Insurance is typically sold in increments of 5 years, meaning you can purchase a policy for 5, 10, 15, 20, 25, or 30 years. While 30-year term is typically the highest an individual can get, some insurance companies may sell policies with coverage up to 40 years.

The other product is Term 100 Life Insurance, which is similar to Whole Life Insurance but it does not have some of its benefits and is priced lower.

Temporary Life Insurance

Term-Life Insurance policies pay out fixed benefits only if premiums were paid and the insured passed away within the agreed upon length of their policy. Such policies can generally be purchased for up to 30 years. The policyholder pays a set premium throughout the policy length, and at the end of the term the coverage ends. This type of Life Insurance is generally the least expensive.

Term 100 Life Insurance

Term 100 Insurance is an upgraded version of usual term policies. The policyholder is charged the same premium throughout their life (or up until age 100) and the payout amount is also fixed. Unlike with Permanent Life Insurance, term plans do not have an investment component.

How to Save Money on Term 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.

How to save money image of Policy Rates

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.

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.

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