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4.8 Stars

Our Reviews

Excellent

4.8

Based on 622 reviews

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.

Pauline

Karen Wright is excellent to deal with. She is very clear, concise, professional and friendly.

Maggie Misfeldt

Karen returned my call promptly. She was knowledgeable, efficient and courteous. My travel insurance was seiiled I five minutes. I have recorded her to friends.

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.

Laura Magrum

Karen Wright was who assisted me in getting a plan and was amazing and so helpful!

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.

Herb Arsenault

Dornaz was very helpful, knowledgeable and thorough. We are very happy with our experience in buying emergency medical insurance today.

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.

beth oberholtzer

Dornaz is an excellent agent! She is personable and very willing to provide lots of options. Highly recommend. Beth

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

Gloria Millar

So friendly and easy to talk to.

Michael Gabas

Dornaz was very helpful. Patiently listened to my concerns and questions as well as provided timely and what seemed to me as appropriate responses. Felt comfortable dealing with her on the phone.

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.

myles bunting

Friendly and efficient service provided in a prompt manner. All questions fully answered.

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.

Sharon

Just booked my travel insurance! Doran’s is the best! Thank you so much

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

Gerard Thompson

Muhammed Suleiman was professional in his dealings.

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.

Loraine Anderson

Dornaz was very helpful and I appreciated all her efforts to sign me up for my travel insurance.She will be my “go to” girl for any future travel needs!Loraine

Maria

My agent is Muhammad Suleiman

Jessica Martinelli

I had an exceptional experience with Ofir Mizrahi. Even though I didn’t end up purchasing a policy at the moment, his level of customer service truly stood out. He was incredibly professional, knowledgeable, and patient, taking the time to explain every detail clearly without any pressure.You can tell he genuinely cares about helping people make the right decision, not just making a sale. That kind of integrity and dedication is rare to find.I highly recommend Ofir to anyone looking for honest, reliable, and top-quality service. I will definitely reach out to him again in the future!

Mona Hadisi

Dornaz is always very helpful and provides all the details and suggests the best option

Joe Daigle

Dornaz was extremely helpful and efficient, a pleasure to deal with. Highly recommend her for travel or any insurance questions or policies.

C J

Dornaz was very helpful during my search for travel insurance!

Kim Keller- Rakochy

Very polite and courteous.. My agent, Dornaz, was very helpful and efficient booking my travel insurance. All needs were met in a professional way. Thank you.

Brenda Burton

Great customer service!! Very friendly

Vivian Guo

I am very grateful to Sehar Bajwa for her help. She is very patient and professional.

Franz Hasenhundl

Dornaz made it very easy getting a quote and then completing the deal.

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.

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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Get Term Life Insurance Rates in Minutes

Honest Rates. Dependable Coverage.

Our Reviews

Why do I need Term Life Insurance?

Types of Term Life Insurance in Canada

Temporary Life Insurance

Term 100 Life Insurance

How to Save Money on Term 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?

Term Life Insurance Quote Form

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