Ai Insurance Organization is a Canadian owned and operated insurance brokerage. Our portfolio provides a wide-range of insurance and financial products representing the leading insurance companies in Canada. Scroll down to learn more about the life insurance, health insurance and financial services we offer.
There is no one-size-fits-all life insurance. A life insurance policy can vary based on your age, health history, sex and other factors. It is important to tailor your life insurance policy based on your lifestyle, medical history and what you can afford. We work with major insurance companies including: Canada Life, Sun Life, Manulife, RBC, BMO, Equitable and more!
Term Life Insurance pays a death benefit if the insured person passes away within a specific period of time, or before they reach a certain age (the term). Once the term ends, the coverage ends.
Term Life Insurance provides temporary, renewable and flexible protection from the financial impact of the insured person’s death.
Universal Life Insurance is a permanent life insurance that combines life insurance with an investment account. Your policy earns interest and your premiums and death benefit can be adjusted over time.
You may be permitted to withdraw and take loans from your account since it has a cash value.
Guaranteed Issues Life Insurance is typically for someone with existing medical conditions. It does not require a health questionnaire or medical exam but there is typically a two-to-three year waiting period for benefits to kick in.
Simplified Life Insurance is a type of non-medical life insurance product that does not require a medical exam but may still have a health history and questionnaire form to fill out. Ai Life’s Life Insurance experts can provide more information.
Whole Life Insurance provides coverage for the insured person’s entire life. Premiums do not change as the insured gets older, and their policy will often have a guaranteed minimum cash value. Over time, the insurance policy grows in cash value and the insured can get the cash value back (minus the insurance premiums) if they ever cancel their policy.
Final expense insurance is a type of life insurance policy that is specifically designed to cover the costs associated with a person’s funeral, burial, and other end-of-life expenses. The primary purpose of final expense insurance is to ease the financial burden on the deceased’s family or beneficiaries and ensure that there are sufficient funds available to cover funeral and related expenses.
Critical Illness Insurance provides coverage for medical emergencies such as heart attack, cancer or stroke.
Critical Illness Insurance pays out cash to help cover the costs when traditional health insurance falls short.
Disability Insurance is a form of income protection that insures a portion of the beneficiary’s income if they become disabled and are unable to earn an income.
A serious illness, injury and health issue could may all be considered disabilities.
Key person insurance is a type of life insurance policy that a business purchases to protect itself from financial losses that may occur due to the death or disability of a key employee or key person within the organization.
The key person is typically someone whose expertise, knowledge, skills, or leadership are essential to the success and stability of the business.
Group health and dental benefits are employer-provided insurance plans that offer comprehensive medical and dental coverage to a group of employees and their dependents. These benefits typically include doctor visits, hospitalization, prescription drugs, preventive care, and dental services. Group plans are cost-effective and enhance employee well-being while attracting and retaining top talent within the organization.
As life insurance brokers, our commitment to our clients means we offer them choice. We work with insurance companies of all sizes including Desjardins, Canada Protection Plan, Green Shield Canada, Ivari, Canada Life, Sun Life, Manulife, RBC, BMO, Equitable, Allianz, Assumption Life, Blue Cross and more!
When it comes to your insurance needs, you deserve an exceptional team that embodies the qualities you value most. Our team takes great pride in being knowledgeable, trustworthy, responsive, customer-focused, and solutions-oriented. These attributes are the pillars of our service philosophy, and we strive to demonstrate them in every interaction with our clients.
Annuities are a form of financial product that pay a the insured/investor a fixed stream, or annual sum of money
GICs, or guaranteed investment certificates are guaranteed investment certificates. GICs offer a guaranteed rate of return over a fixed period of time.
RRSPs, or registered retirement savings plans, are a form of financial product in Canada for holding savings and investment assets.
RESPs, or registered education savings plans, are a form of financial product available to caregivers to save for their children’s post-secondary education.
Estate planning insurance services offer comprehensive solutions to protect and preserve one’s assets and legacy.
Tax strategies insurance services provide specialized expertise in developing effective strategies to minimize tax liabilities for individuals and businesses.