Individuals & Families

Individual Life Insurance

What happens to your family and their finances when you die?

This is something that none of us wants to think about. But ignoring it doesn't make the possibility go away. Do you have to sell the house? Will it destroy your savings? Will you have a way to pay for child care or education?

Individual life insurance can help take care of those worries. A lump sum of cash just when you need it most.

Yes, of course, you can just save for a rainy day. But are you doing that? What would happen if you got hit by a bus tomorrow?

We had a new widow come into the office recently. Her husband had died of cancer at 42. Having life insurance didn't bring him back -- but it went a long way to help her feel that she was going to be all right financially, even while she grieves.

The Capital Estate Planning Life Stages Process:

Our Edmonton and Calgary life insurance consultants can walk you through a process to decide what is best for you based on both your needs and your budget.

We will:

• Assess the amount of insurance required depending on your specific circumstances
• Determine the most appropriate insurance for you
• Re-evaluate your insurance needs as you progress through life
• Access diverse and flexible insurance options
• Obtain the most competitive price and suitable policy

For some individuals needing Life Insurance, they may just be looking at Term Life Insurance -- they just need something short term and budget is a big concern. In some cases, life insurance for individuals means that they want to put something permanent in place so that they no longer have to pay for it when they're older -- in that case we would look at Permanent Insurance. In some cases, people may want to use insurance to help with the large tax burden they'll have to pay at death, and we can put Legacy Insurance in place to help with that.