Many Canadians enjoy the benefits of life insurance through their jobs. But is your employer’s life insurance enough for you? Should you rely on the coverage you get from your work to protect your family’s financial stability?
In this article, we’ll focus on answering these questions. First, we’ll start by explaining what kind of life insurance your employer is providing you with. Then, we’ll go over some of the strengths and weaknesses of employer-provided life insurance. Finally, we’ll show what an individual life insurance plan does better, and how you could use an individual plan to supplement your job’s life insurance policy.
The kind of life insurance that an employer provides to its employees is called Group Life insurance. As the name implies, group life insurance is a policy that covers a group of people, in this case employees of a company.
With a group life plan, the policyholder is not the same as the insured party. The policyholder is the company, whereas the insured party is the group of employees like you. The big advantage of this is that the company is responsible for paying all or a majority of the policy’s premiums. This leaves you, the employee, with very little responsibility and all the benefits of your group life insurance!
There are two conventional ways for determining your group life insurance’s coverage amount. The first is a fixed amount that is identical for all insured persons under the policy. The second is a multiple of the insured employee’s salary, typically 2 or 3 years worth.
While we believe you shouldn’t rely too much on your employer’s life insurance, there are still great sides to it. It’s important to know what good comes from a Group Life plan to see where it falls short later on.
So let’s look at the upsides of a Group Life policy:
Accessibility: If your employer offers life insurance, you are guaranteed to be eligible for it upon being hired. And since it’s part of your benefits package, most of the administrative work will be done by your employer.
Cost: Your employer will either pay a majority or all of your policy’s premiums. Because of this, Group Life plans can be extremely cheap, if not free, for you.
Early coverage: If you’re still early in your career, you’re probably not thinking about life insurance. Or, you might not be able to afford it. Employer life insurance ignores these obstacles and just gives you coverage automatically.
Customizability: Despite being group policies, you will generally have some level of flexibility with what you get out of your life insurance package. This is especially true for employees who have spent a long time with a company and their life circumstances have changed.
Despite being a great (and guaranteed!) source of financial protection, there are some big issues with Group Life policies. It’s crucial to know exactly where your employer’s life insurance policy falls short.
Limited mobility & security: The thing about your job’s life insurance is that… it’s tied to your job. This means that your life insurance plan won’t be portable. If you are laid off, change jobs, retire, quit, or your employer goes out of business or sells, chances are, your current protection won’t carry over with you. Unlike a personal policy, life insurance that’s tied to a group policy has no guarantee of being in effect if and when you actually need it.
Not enough coverage: A Group Life policy will usually provide a coverage of around 2 or 3 times your salary. With the average Canadian salary floating around 50 and 60,000 dollars per year, that amounts to $100,000–$180,000 of coverage. While this is more than enough coverage for your 20 year old single coworker with no children, for example, it won’t be nearly enough if you have a family or dependants. If you have dependents, adequate coverage is generally considered to be a policy worth 10-15 times your annual income. Chances are, your group benefits aren’t nearly enough!
Personalization: An individual policy is made just for you. It’s not a general policy that is one-size-fits-all (which is in reality all too commonly one-size-fits-none). It’s a plan that you build together with your provider, going over the exact details so that it perfectly suits your needs. This is where nothing can beat having your own bespoke policy.
Take advantage of your age: No matter how old you are, now is the youngest you’ll ever be. Since life insurance premiums are dependent on age, locking in a personal policy today allows you to keep your rates lower than waiting. Don’t make the common mistake of waiting until your group plan lapses or until a health scare comes up to realize your coverage may not be enough.
Reliability: There’s no middleman with individual plans. It’s just you and your insurance provider. Your death benefit won’t be dependent on your job and employer, and you won’t lose it if you decide to move to another job or retire. As long as you pay your premiums, your coverage isn’t going anywhere, regardless of what happens with your career!
Coverage amount: An individual plan will allow you to get a much bigger coverage than most Group Life policies. According to Investopedia, it’s best to aim for a coverage of about 10 times your current salary. It’s very unlikely that your employer’s plan will be able to cover you for that amount.
Add-ons and riders: An individual plan allows you to take advantage of the variety of extra features, such as riders, that they offer. You can additionally cover specific cases such as accidental death or injury, or certain serious diseases. Due to employers wanting to keep overhead costs low, most group plans don’t offer additional coverage that would otherwise be beneficial.
Adaptability: Your individual plan can evolve with your situation. If you want to use your individual plan to simply supplement your employer’s life insurance and cover its weaknesses, that’s an option. Later on, if you lose your employer’s coverage, you can renegotiate your individual plan and expand it as needed.
If you’re looking into getting an individual plan, there are a few options to choose from. Here’s a quick rundown of the two most common types of life insurance plans that are available to you.
Term Life Insurance is the most basic and affordable type of life insurance. It provides coverage for a fixed period called “term”, usually ranging from 5 to 30 years. If you die during this period, your beneficiaries will receive your death benefit. But once your term ends, your policy expires. It’s a great choice for people looking to protect the financial stability of their families through a specific period at an affordable rate.
Permanent Life Insurance is the more sophisticated type of life insurance. It has no expiry date, so as long as you’re paying premiums, you’ll stay protected forever. Permanent Life Insurance has more advanced things you can do with your plan, like borrowing against it or using it for estate planning. The added usability and reliability of permanent life insurance comes with a higher price tag.
Want to learn more about Term Life and Permanent Life insurance? Check out our Life Insurance 101 blog for a more detailed explanation!
When a job offers life insurance as a benefit, it’s always a blessing. With little premiums to pay, it’s a great bonus for employees of a company. What we tried to show in this blog post is that it’s best to think of your Group Life policy as just that: a bonus.
Because of the nature of Group Life policies, they end up being too generalist in their approach and too rigid to be relied upon by individuals. While we believe everyone should take advantage of whatever benefits their job offers, we also think it can be risky to rely on these benefits too heavily.
If you have an employer-provided life insurance policy, the best thing you can do is to supplement it with an individual policy of your own. This way, you’ll cover up any weaknesses that your Group Life policy has, and you’ll have a financial safety net that won’t go away if your job does. (And, you’ll be surprised to learn how affordable insurance can actually be, potentially starting at just a dollar a day.)
A problem with employer-provided life insurance is that it makes people forget how important having your own plan is. And the earlier you start, the cheaper your premiums will be. So there’s no better time than now to get the best plan for your needs!
With our group of experienced advisors, we’ll be able to help you figure out what you need to supplement your work’s life insurance plan. We’ll help you get started today - it’s easier than you think!
As your parents enter their golden years, it becomes more critical than ever to ensure they have adequate financial protection. The most efficient way to provide this protection is to get life insurance on a parent. Yet many adult children do not know how to approach this delicate topic or navigate the process at all.
In this blog, we will guide you on how to get life insurance on a parent. We'll discuss the need for life insurance for seniors, its benefits, and the best way to approach your parents about it. With the right information at hand, you can help secure your parent's future without imposing a burden on your finances.
Let's begin.
Many individuals question the necessity of life insurance for seniors, especially if they are retired and their children are financially independent. The truth is, there are multiple reasons why your elderly parent might need life insurance, particularly to cover final expenses or leave an inheritance.
The death of a parent not only triggers emotional turmoil but often results in unanticipated financial expenses. Decent funerals can be pricey, not to mention any lingering medical bills or debts. Having a life insurance policy in place can provide financial protection and ease this burden.
Once you've identified the need, it's vital to understand the existing rules before you get life insurance on a parent. Firstly, your parent needs to be actively involved in the process. It's illegal to purchase a life insurance policy without their knowledge and consent. Also, your parent must be mentally capable of understanding the insurance contract implications.
Next, you must demonstrate 'insurable interest', meaning you would suffer financial loss in the event of your parent's death. This ensures the policyholder doesn't benefit more from someone's death than their life, which can lead to ethical dilemmas.
Ultimately, the objective should be to provide financial protection and not for the purpose of gaining profit.
Before you select a policy, it's essential to assess your parent's needs and financial state accurately. Understand their existing debts, future expenses, income sources, and savings. Moreover, you also need to understand their personal preferences. Some may want to leave behind an inheritance or donation, while others might need to cover a mortgage or medical bills. Ideally, their preferences should be specified in a will to ensure they're taken care of.
Be sure to take into account the premiums they can afford and the impact of their health status on insurance rates. For instance, guaranteed issue plans, like Final Expense Plans offered by Insurance Supermarket, accept applicants regardless of health status, for absolute peace of mind.
One of the toughest parts of getting life insurance on a parent is starting the conversation. Here are a few tips to help:
Remember, it’s a sensitive topic, so approach it with empathy, and be patient.
Helping your parent get life insurance is both a sensitive and necessary endeavor. It's crucial to discuss their needs, consider multiple insurance options, and be patient during the decision-making process. Through educational conversations and careful planning, you can help secure your parent’s financial future and protect your family’s financial well-being.
If you're looking to secure your parent's financial future, protection from Insurance Supermarket can be the perfect solution. We offer flexible policies like Final Expense Plans with guaranteed acceptance regardless of health issues, as well as clear terms and affordable premiums.
Secure the golden years of your parents now. Start by clicking the button below!
Seniors—Final Expense Plans are right for you. Here’s how they work.
In this blog post, you'll learn what Final Expense insurance is, and how to compare and select the best final expense plan for you and your family. By the time finish reading this, you’ll have a better idea of how to keep your family safe from financial burden after you pass away.
Simply put, costs associated with one’s end-of-life can be expensive. Final Expense plans are a form of life insurance specifically designed to cover them, and can also be a way to leave a modest estate for your loved ones. It’s one of the most popular permanent life policies, especially among those over 50, including seniors.
The main purpose of Final Expense plans is to cover a set of expenses that come with someone’s death. Things like funeral and burial costs, medical bills, or even outstanding debts or bills that need to be paid off. It’s insurance designed to ease the financial transition for your loved ones after you pass away.
At ISI, our Final Expense Plans:
Include a complementary Accidental Death Benefit, which is equal to 4 times the face amount of the Basic Benefit
All in all, a Final Expense Plan is a great affordable life insurance option that many people aren’t aware of when thinking about getting insured. While those middle aged and above often find themselves denied or quoted an astronomical amount for traditional forms of life insurance due to age and health reasons, Final Expense Plans aim to make financial protection assessible.
When picking life insurance, you have to juggle a lot of variables: age, income, medical history, etc. This is because a lot of plans simply won’t accept certain candidates for life insurance, and if they do it’ll be with high premiums. As a senior, you’re probably worrying about this more than other people.
But with Final Expense plans there’s much less to worry about. Final Expense plans have no medical exam requirement, and acceptance is guaranteed. This removes a lot of the stress and wasted time that comes with applying for insurance. If you want life insurance right away, Final Expense plans are available. It’s that easy.
The other advantage of Final Expense plans is that they’re a permanent policy, meaning that you’re unlikely to outlive your coverage. You won’t need to worry about renewing your plan or looking for another one after your term ends.
Once you've done your research and have compared different final expense plans, it's time to select the plan that is right for you and your family. It’s important to make sure you choose a policy that meets your needs as well as your budget.
There are several providers of Final Expense Plans on the market, each with own uniqueness. Some are more cost prohibitive, while others cap their policies with lower payout amounts.
Try talking to multiple financial advisors before making a decision. This will allow you to compare prices, plans, coverage amounts, and providers, so that you can select the policy that best suits your needs and budget.
Don’t forget to look at reviews too. Expert opinion is always valuable, but real feedback from clients is just as important. Seeing that a provider has generally good reviews is a great sign for the products they’ll offer you.
Did you know: Applicants with serious health issues can qualify for Guaranteed Issue policies. These policies have a 2-year waiting period before death benefits can be paid out. If you have a serious medical condition, Guaranteed Issue policies might be your best option. And don’t worry about passing away during your waiting period. Your beneficiaries will be refunded any premiums you paid until your death, in that event.
Financial literacy is an invaluable asset, just as taking the time to get to know the ins and outs of your life insurance is. As much as it’s good to count on experts, you should also rely on your own research when choosing a Final Expense plan.
Look out for helpful resources such as guides, e-books, and articles by industry experts that can help you understand the different types of policies, what coverage each plan offers, how each type of policy works, and how to select the plan that is right for you and your loved ones.
It's also a good idea to speak to a financial advisor and a legal professional to ensure that your Final Expense plan is tailored to your specific needs and your wishes are followed. They can help discuss financial decisions, inform you of any relevant tax implications, help you understand the complexities of any paperwork, and ensure that your family is taken care of.
At this point, you’ve learned a lot about Final Expense plans and why they’re the right life insurance plan for you. To summarize what we’ve learned, let’s go over the pros and cons of Final Expense Plans one more time:
If you’re a senior looking to get life insurance, then a Final Expense plan may be right for you. It’s accessible and simple, and it’ll offer you exactly what you need to protect your family’s financial interest when you pass away.
At Insurance Supermarket, we’re committed to making the process of securing final expense plans as easy and straightforward as possible.
Our simplified approach helps make insurance easy, with a quick, easy online application process, knowledgeable advisors and dedicated customer service to help guide you through the process. Our Final Expense plans are available online! With online an online application, you could get approved for insurance without ever leaving your home, in just a few clicks!
We understand the importance of making sure your family is taken care of, no matter what may come. Let us help you make sure your loved ones are secure today.
At Insurance Supermarket, we understand the importance of providing affordable and reliable plans. We make sure you get the protection you need, without the intimidation and guesswork. Reaching out to us and discover what it means to put your family’s financial future first.
This post is all about learning the basics of life insurance. You’ll learn what life insurance is, and what kinds of options you have available to you when purchasing it. By the end of this article, you’ll have the basics down, and will have a much smoother time navigating the world of life insurance. But don’t worry - while you can learn the basics here, our life insurance advisors are available to walk you through every step of the way, and are happy to answer any questions you may have.
Entering the world of life insurance can be intimidating. With confusing industry jargon, dizzying fine-print and legalese, and seemingly endless options to choose from, you might (understandably) have some questions. “What kind of protection do I need? What is being offered? How much should I be paying? How much will I receive?” These are all common questions that we get from folks shopping for insurance.
All these questions lead to life insurance seeming more complicated than it actually is, and can push people away from the idea altogether. That’s why we’ve built this Life Insurance 101 blog post.
In short, a life insurance policy is a contract that pays out an agreed upon lump sum of money in the event that a certain condition is met – usually in the event of the policyholder’s death, but sometimes also in the event of a critical illness or disability, depending on the policy.
In many situations, life insurance is a piece of financial protection that people buy for their families and beneficiaries so that they aren’t burdened by the sudden loss of income that can come with someone’s death.
But life insurance isn’t always limited by the death of the insured. It can also be used to protect your own assets or your income in the case of a non-fatal accident or a debilitating illness. This post will go into more detail on the different use cases of life insurance so that you fully grasp what it can do and which types of polices may be right for you.
There are different kinds of life insurance that offer different types of coverage according to your needs. Just as how your life is unique, so are your insurance needs. That’s why there’s something for everyone, and picking life insurance that suits your life circumstances is critical.
But don’t worry, it’s pretty simple! There are 2 main categories of life insurance: Term Life insurance and Permanent Life insurance. So let's get started with learning the basics of life insurance!
Term Life Insurance is the most straight-forward life insurance option. The most important points for term life insurance are that:
Term life is generally a good choice for people who are seeking coverage, but still want a reasonably affordable insurance premium. It’s also an ideal choice for those who need coverage most during a defined period of time, such as parents with young children, or even adults who are at least in part financially responsible for their elderly parents.
Of course, term life insurance comes with some risks. The main one being that it is valid only for a limited term. If you’re still alive after your term expires, then your policy expires, and you won’t be protected anymore.
Permanent Life Insurance is the other, more expensive life insurance option you’ll find. So what makes permanent life insurance special?
Permanent life plans are often more sophisticated than term life plans, and eliminate the risk of outliving your policy. When you go for permanent life insurance, you’re making a very big commitment, both in terms of time and money. And as a result, permanent life insurance policies often come with more bells and whistles than that of term life.
Permanent life is where insurance gets a little more complicated. Because it’s not just a simple death benefit that gets paid out like with term life plans, you have more options to choose from. Some people will want to use their permanent life plan for estate planning. Others will want a guaranteed benefit that does not decrease over time.
While each policy has its own perks and advantages over the other, there isn’t a clear “better” choice between term and permanent. It all depends on your current situation and what you need out of your insurance.
Older people who get life insurance are often trying to cover their end-of-life expenses (like funeral costs). But if you’re a young parent, you have more than just a funeral to worry about. You have your children to take care of, but also your own parents who are starting to get older. Looking to protect your family’s finances as a whole is something you’re serious about. The kind of coverage you’re seeking might need to be bigger than just burial costs.
The advantage of a term life plan would be that it’s cheaper, and you can set your term to end around when you expect your children to be financially independent themselves. This way, you won’t have to worry about anything happening to them if you suddenly passed away. This will grant you peace of mind, but once your term ends, your protection will disappear.
On the other hand, a permanent life policy would set you up for life, and you’d be able to use your plan as a means to invest in your children’s future if you ever need the extra cash. The downside is obviously the higher price tag. But if the added benefits and the permanent coverage are worth it, then it may just be justified for you.
In addition to your basic plan, you have the option of adding riders (also called add-ons) to your life insurance. Riders are specific features that are tacked onto your life insurance for an additional cost, but cheaper than they’d otherwise be in a standalone policy by itself
To get a better idea of what riders are and why you should know about them, let’s look at a couple examples. The most common types of riders are Accidental Death and Dismemberment (AD&D), and Critical Illness Insurance (CI).
Accidental Death and Dismembered is an insurance that will give you a lump sum of cash if you suffer an accidental death or a dismemberment. AD&D is usually most applicable to those working in physical jobs where a there is more physical risk, or in professions where a disability or dismemberment would impect future earning potential.
Critical Illness Insurance serves to add additional coverage in the event you are diagnosed with one of 24 critical illnesses such as stroke, heart attack, or cancer. Surviving a critical illness can be expensive. Factoring in loss of income, requiring a caretaker, medications and treatments, transportation, and accessibility modifications, many survivors of critical illness often find that government and employer-funded support systems aren’t nearly enough. . That’s why CI is designed to help cover these sudden and steep expenses that aren’t always covered by traditional health insurance, as well as act as income replacement.
Some providers are more stringent on which types of critical illnesses are covered under Critical Illness Insurance.
We hope you found learning the basics of life insurance simple and refreshing! By now, you should have a better sense of what life insurance is, the different purposes it can serve, and a few of the options available to you.
But remember that this was just Life Insurance 101. We covered the basics, but this isn’t all there is to insurance. If you want to learn more, there are a few things you can do to dig deeper.
To compare and get a feel of the different insurance products available to you, you can visit our Products page here.
But don’t think it’s all up to you to learn about life insurance. The best way to be sure you’re getting the right information is to talk to an expert. They live and breathe life insurance, and just talking to them will help you get a good idea of what plans would be best for you. You can get a quick quote and get in touch with our own team of experts after filling out a quick form here!
Don't let insurance be an intimidating process! You don't have to be a professional to ensure your family is protected. With Insurance Supermarket International, you can get the protection you need without all the complexities. Our simplified approach and dedicated customer support gives you the confidence you need to make informed decisions and secure a worry-free future.
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We get it. Navigating the world of life insurance feels confusing. It's perfectly normal to get overwhelmed by the amount of information only to find yourself lost. That’s why our focus at Insurance Supermarket International is to make things simple. That way, not only do you feel informed when choosing the right life insurance plan, but you feel confident with your choice too!
In this article, we'll break down how to figure out which life insurance plan is right for you, with simple, straightforward tips. We'll cover different types of life insurance policies and show you how to find the coverage that will best protect your family and your peace of mind.
By the end of this article, you won’t feel intimidated by insurance plans anymore. You’ll be absolutely confident you're choosing the right life insurance plan for yourself and your family.
Death can be expensive. When someone you love passes away, you're left with a lot of financial baggage. For one, they may have been the main breadwinner of your family, or at least contribute a large portion of the household income. That means the income they were providing your household suddenly disappears. Or perhaps they have an outstanding mortgage or other debts to pay, of which the burden now get passed to you? Taking on this baggage can result in a sudden drop in the quality of life of your family. That’s the last thing you should have to worry about when in mourning.
This scenario happens all too often when the proper financial precautions aren't put in place. The point of life insurance is to make sure your loved ones aren’t financially burdened by your death. It offers your loved ones the financial protection they’ll need after you pass, and it’ll give you some much needed peace of mind.
It's important to remember that life insurance isn't just for your benefit; it's for your family's. To make the insurance selection process as smooth as possible, the best place to get started is by learning the different types of insurance plans that are available.
Before choosing, it's important to understand the differences between each type of life insurance policy. There are only 2 main categories of life insurance: term life insurance and permanent life insurance.
Term life insurance is the most basic life insurance option available. It's a policy that covers you for a fixed period of time. The "term" of your policy can vary depending on your provider. Some can be pretty short (~5 years) while others can extend for quite a while (20-30 years). Even 100 year term policies exist! (And we offer them!)
If you die during your coverage period, then your beneficiaries will receive a death benefit. Plain and simple. If you're looking to keep things straightforward, a term life policy might be the best choice for you.
There is a catch: your death benefit will only be available during your term. If you finish your term and make all your payments, your life insurance lapses, and your death will no longer be financially protected.
This means that there is an element of risk to term life insurance. If you outlive your policy, you'll end up losing money on it. On the flip side, term life insurance has much lower premiums than its counterpart, permanent life insurance.
This is your second type of life insurance. As the name suggests, it's more of a commitment than a term policy. If you get a permanent life plan, you're aiming to stick with it for a long time.
Permanent life policies usually fall under 2 different categories:
Permanent life insurance is all about reliability. You'll pay locked-in rates that you can plan around, and your coverage never expires (as long as you keep making payments).
But it doesn't end there. A permanent life plan is more of an investment than a term life plan. You're not just making payments toward a death benefit. You can use your plan as a financial tool by making tax-free loans which you can use to invest.
So why doesn't everyone go for permanent life plans? The extra reliability and features of these policies come with a premium price tag. If you choose permanent life insurance, you'll be paying a lot more than you would for term life (and maybe for longer, too).
When choosing the right life insurance plan, it’s important to consider your needs and goals.
Answering these questions will help you narrow down your choices to the policy that best fits your needs.
This is also why it's so much easier to decide on insurance when you first understand the differences between term, universal, and whole life insurance policies. Depending on the policy you choose, premiums and death benefits can differ significantly.
For example, term life insurance policies provide coverage for a specified period of time. On the other hand, whole life insurance policies offer more long-term protection. It’s important to research each type of policy and understand the key differences to make sure you are getting the best possible coverage for your family.
So you understand the different types of life insurance policies—what's next? Now it’s time to start looking for a plan that gives you the coverage you want at a price you can afford.
Life insurance premiums vary widely from plan to plan. Once again, always remember to compare plans. And if you talk with an advisor, don't feel intimidated! Ask lots of questions and read the fine print. Getting the best coverage at the most budget-friendly price means you aren't paying for frills that don't benefit your recipients.
Carefully look through every part of your insurance plan. Understand the death benefits, policy terms, and any other features offered by the policy. Moreover, when comparing plans, make sure to evaluate each carrier's ratings and consumer reviews.
Term life insurance is generally more affordable than permanent plans during the policy's period. The problem is that they may not offer enough benefits for your specific needs.
On the other hand, permanent life plans come with all the bells and whistles you can imagine, but it might not be worth paying the extra money for all that.
In short, remember that it’s not always about finding the cheapest plan, and it's also not about getting the most expensive plan possible. When choosing the right life insurance plan, price is only part of the decision-making process.
You and your family will be better off if you pick a plan that’s best suited to YOUR needs and goals, rather than just focusing on picking your plan based on its price tag.
Identifying the right insurance plan is the hardest part of the process. Once you’ve done that, you can start to get things moving.
Though traditional insurance providers can take several weeks — or even months — to get coverage, these days, you can apply for life insurance from the comfort of home in less than 5 minutes! Either use our quick online form for speedy coverage, or talk with an experienced advisor over the phone.
Better yet, you no longer need to wait for a lengthy underwriting process. Now you can easily qualify for instant approval — no medical exam necessary. That's thanks to our team's ingenious AI-powered insurance technology that cuts out unnecessary bureaucracy. Simply put, you get the coverage you need faster than ever.
However you decide to apply, once approved for a life insurance plan, it remains active so long as you continue paying your premiums, or the term expires.
Choosing the right life insurance plan can feel overwhelming and complicated. But with the right information, and an understanding of what finances your loved ones need covered, you can make an informed decision that protects the people you love most. So don't wait, take the time to do your research and find the life insurance policy that works best.
With Insurance Supermarket International, you don't need to be a professional to understand and benefit from life insurance. Our simple and straightforward approach helps make insurance easy and keeps your assets safe. Get the security and protection you need today—let us help you make the right call.
We make the process easy with simplified, practical plans, quick approvals, and a suite of guaranteed-issue, no medical exam products.
Insurance doesn't have to be intimidating and complicated. With Insurance Supermarket International, life insurance becomes easy. By helping you through each step of the process, we help you keep you and your family financially safe.
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