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Life Insurance

Disability Insurance

Critical Illness Insurance

Life Insurance

Life insurance provides a tax-free cash payment to your named beneficiaries (such as your children or spouse) upon your death.

Life insurance can help ensure your family maintains their standard of living, if and when you die. It can also help pay off debts or cover final expenses such as funeral costs.

To own life insurance, you BUY A POLICY. This is a LEGAL contract that sets out:

  • How much money the insurance company will pay to your loved ones if you die;
  • How much money you will pay each month to get the insurance;
  • How long the insurance will cover you (i.e. for a set term or for life).

What types of life insurance are available?

There are 2 basic types of life insurance coverage: term and permanent. Each has unique features designed to meet different needs.

What is term life insurance?

TERM INSURANCE is temporary coverage that lasts for a set period and automatically renews in most cases. With term insurance, the payments you make, called premiums, are set at an initial low cost and won’t change during that period.

What is permanent life insurance?

PERMANENT INSURANCE is a guaranteed and lifelong coverage that protects the people you care about. But it’s more than just insurance. Over time, your policy can build value that can be accessed for cash during your life, with certain tax implications.

You can access money in your policy through a loan or a withdrawal. When you die, the people you have chosen will receive a tax-free payment, similar to term life insurance. 

Contact our team at Integer to find out more about disability insurance, and if it is right for you.

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