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Term life insurance and life events

Did you know that iA Financial Group is the leader in total term life insurance premiums in Canada? One of the reasons for its enviable position is that it offers the most comprehensive range of term life insurance products in the industry.

This type of insurance can meet the changing needs of your clients at different stages of their lives. For example: buying a home, becoming a parent, retiring or starting a business. Contact them to make sure their coverage still fits their needs.

Becoming a homeowner

The purchase of a home or the renewal of a mortgage is an opportune time to reassess your clients' life insurance needs. Term life insurance is much more flexible than mortgage insurance offered by lending institutions. It allows homeowners to protect all their loans with one policy.

Take the opportunity to offer riders such as critical illness and disability credit. For first-time buyers, term life insurance even allows you to choose a fixed or decreasing amount of insurance, up to 50% of the original amount to fit their budget. For your clients who want to refinance their mortgage, it's possible to extend their life insurance coverage by a few years with renewable YRT premiums.

Having a child

Starting a family brings new responsibilities, such as protecting the financial health of family members in the event of death. Term life insurance is an affordable solution that provides the protection needed to cover financial obligations in the event of death. The Child Module and the Child Module PLUS could be interesting riders to complement the insurance needs of new parents. Your clients who add one or more riders can also benefit from a Combined Coverage discount.

Retirement

Term life insurance can help retirees maintain their lifestyle. It allows them to meet their protection needs while protecting their family in the event of death. They also have the option of converting all or part of their term life insurance to permanent life insurance or participating life insurance (iA PAR) to build an estate for their families.

Managing your business

Term life insurance can meet many needs of business owners, such as:

For coverage over $2M, your clients will be eligible for one of four preferred rate classes. In addition, if the annual premium is at least $5,000, they will benefit from iA Financial Group's VIP underwriting.

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