Lifelong Protection Built Around You
Life insurance isn’t one-size-fits-all. Whether you’re providing for a young family, safeguarding a mortgage, or planning your estate, we help you build the right protection for your stage in life. The right policy offers more than just a payout — it gives you peace of mind, knowing your loved ones will be financially secure when it matters most.
At Expo Insurance Brokers, we listen first and then recommend solutions from leading Canadian insurers that match your goals and budget
- Term Life Insurance
Term life insurance provides straightforward, affordable coverage for a set period — such as 10, 20, or 30 years. It’s ideal for covering mortgages, raising children, or replacing income during your working years. Should the unexpected happen during the term, your beneficiaries receive a tax-free payment to ease financial stress and maintain stability.
- Whole Life Insurance
Whole life insurance offers coverage that lasts a lifetime, along with a guaranteed cash value that grows over time. Premiums stay fixed, making this a reliable, long-term solution for those who want to leave a financial legacy, cover final expenses, or access cash later in life through policy loans.
- Universal Life Insurance
Universal life combines lifelong insurance with investment flexibility. You can adjust your premiums and death benefit over time, and your policy’s cash value can grow based on market performance. It’s a powerful tool for individuals looking to align protection with long-term financial planning.
- Critical Illness & Disability Coverage
Serious illness or injury can change everything. Critical illness and disability insurance provide a financial cushion if you’re diagnosed with a covered condition or can’t work due to illness or injury. These policies offer peace of mind — helping with medical costs, mortgage payments, and everyday expenses when your income is disrupted.
Insurance FAQ's
The amount of life insurance you need depends on your financial obligations, income, dependents, and future goals. A common rule of thumb is 7 to 10 times your annual income, but we’ll help you calculate a personalized amount that fits your situation.
Term life insurance provides coverage for a specific period at an affordable rate, ideal for temporary needs like mortgages or raising children. Whole life insurance offers lifelong protection with fixed premiums and builds cash value you can access later.
Yes, many insurers offer coverage to people with pre-existing conditions. While your rates might be higher, we work with multiple providers to find a plan that meets your needs and budget.
Not always. Some policies, especially smaller or simplified issue term life plans, don’t require medical exams. However, most comprehensive policies will require some health information or a medical exam. We’ll guide you through the process.
Certain policies, like universal life insurance, offer flexibility to increase or decrease your coverage and premiums over time. Term life policies can also sometimes be converted to permanent coverage. We’ll help you choose options that allow for your changing life circumstances.
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