Many Canadians see the value in Life Insurance, they know particular situations where it has benefited the survivors, and many times, Life Insurance has been the buffer in between heartache and peace of mind.

Money cannot buy you happiness, but it can alleviate the stress and strains of a loved one who has recently passed.

But many times we speak with an older client or couple who believe that their Life Insurance time has come and gone.

This is not true. In most cases there are still options, no matter what your age is.

Most of us have seen the commercials on TV talking about Guaranteed Life Insurance, or Last Expense Insurance, or even the Insurance you can purchase from a Funeral Provider to cover last expenses.

First and foremost most Canadians are eligible for the death benefit from the government which is a maximum benefit of $2500. Not very much money to do anything with, let alone bury a loved one and celebrate their life.

Here's why you should consider a "Good" Guaranteed Life Insurance policy, offered by a broker of Life Insurance, and not a TV Commercial.

1. A "Salesman" will drop by... Contrary to what you may believe, a Licensed Life Insurance Advisor will drop by and evaluate your needs and be able to make proper recomendations to your current situation, at no additional cost to you, and from our office with no pressure at all. If it doesn't make sense to you, we don't try and change your mind.

2. There "Will" be someone there to help you and your family out with the underwriting process and help you purchase the most appropriate & suitable coverage for both your needs and your family's.

3. There "Will" be someone there with Liability Insurance to cover our business practices and the honesty of the Industry to protect you and your family.

4. We "Will" be there to help your beneficiaries through the entire claims process, so that you and your family can have faith in the benefit that is promised will be delivered in a courteous, respectful and timely fashion. (Normally within 7-10 Days)

5. We "Will" be there for your family at the time we promised, so your beneficiaries do not spend weeks or months trying to get a hold of the same "nice" person who sold you the coverage over the telephone, who is generally an employee of a foreign call centre. A very unpleasant experience for anyone who we have ever worked with after the fact.

Guaranteed Issue Life Insurance, although not the best first choice for our clients, truly does fill the need. If you have been on the fence for years about Life Insurance, and fear that you are no longer eligible, please give our office a call and let us help you understand all the options that are still available. Although you may pay a premium for your years of denial, the reality is that Life Insurance is there to protect those you love.

Let us help you work on a solution for your family's financial health and security when you are no longer here to do so. There are numerous companies we work with as Brokers, and would be happy to help you put this valuable coverage in place. It's our Business, and its our Pleasure. Call us today so we can help you undestand the options availbale to you.

Steffen deGraaf