Mutual Fire Insurance Review

Mutual Fire has a long history that stems way back to 1902. They were formed by over 40 farmers with an aim to provide affordable insurance that customers will be able to rely on. I also found it interesting to know that the first policy was issued in 1902 with up to $1,500 of coverage, which was a lot back then.

Home insurance is seen as very important to a lot of people, and Mutual Fire has a high understanding of it. This is why as I can see they are able to insure so many different types of homes, including detached houses, tenant’s packages, multi-family homes, homes that are under construction, cottages, rental homes, log homes and even mobile homes.

A wide range of coverage are included which I found to be very comprehensive with things like identity theft, earthquake, boat and motor, and many more. There are also options to make your payment flexible so that it will suit everyone, which I think is a very important point.

For those that want to get an even greater sense of security, I am glad to announce that equipment breakdown insurance is another product that is offered. Some of the things eligible to be protected include freezers, dishwashers, microwaves, ovens, computers, and many more.

Mutual Fire is apparent to have expertise in providing farm insurance. An extensive list of farms can have a policy taken out for such as dairy, grain, hog, berry, poultry, and even those that are for hobbies. After going through the coverage, I can confidentially say that it reached my expectation because of their long list of covers for livestock, produce, dwellings, buildings, liabilities, milk contaminations, and many more. An interesting to know is that if you use a broker to take out a quote, you may also get an Enhancement Package that can be used to tailor fit your needs, which I believe will ultimately make the policy even better.

Lastly, the final product offered is commercial insurance. Again, it is great to know that they offer protection for a range of businesses including contractors, tradespeople, offices, retailers and a variety of small to medium sized businesses.

So how can Mutual Fire assist you? I was impressed to see that coverage extends to stuff like buildings, contents, tools, floods, earthquakes, crimes, loss of income and many more.

As a whole, I really feel this company has what it takes to be the number choice for customers.

Mutual Fire Insurance has been rated 5 out of 5 by Insurance Reviews.

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CAA Insurance Review

CAA in an overview has got to be one of the longest standing insurers in Canada with a history of more than 100 years. They have been noted for many of their innovative products for Canada’s motoring and travelling needs. Their philosophy is to always be there for you.

Their auto insurance includes a range of car related financial products. Before going any further, the first thing that I could not take my eyes away is the fact that members can save up to 15% in their car insurance. For extra saving, customers can also take out multiple vehicle insurance.

The plans available to be taken out are known as Classic Car Insurance and Car Insurance. There are also several products that enable you to benefit you financial such as Forgive and Forget, Winter Tire Discount and Hybrid Vehicle Discount.

With just a glance, I felt that everything needed to ensure a car is protected were included in their policy, including things like liability coverage, accident benefits, uninsured automobile coverage, and even several optional extras.

Another common product offered by CAA is home insurance. It is very promising to see that they are able to insure all sort of homes, including both buildings and contents, as well as condominium and tenants. The other features that I felt are very important and that they also include are identity theft which only costs $25 a year, home equipment breakdown cover for only $29 a year, as well as free legal expense cover. At just a glance, everything they offered really satisfied me.

Two packages are available under their travel insurance that I really liked. The first falls under the category of travel medicine insurance, and offers a plan for single and those going on multiple trips annually. The second category is vacation package and as I can see, covers the most comprehensive things, again under two plans; single and multi-trip annual. I thought it was also overwhelming that visitors to Canada are also entitled for insurance where they will be able to claim up to $150,000 on emergency medical coverage.

Personal protection insurance is the next thing that CAA can offer. Included are things like health and dental insurance, life insurance and member accident protection plan. The one that I felt was very useful is the term life insurance because you have the choice to choose to get paid either $50,000 or $500,000. Savings can go up to 20%.

Other insurance that you can get from CAA includes:

• Motorcycle insurance
• RV/motorhome insurance
• Boat insurance
• Business insurance
• Cottage insurance
• Pet insurance

CAA Insurance has been rated 5 out of 5 by Insurance Reviews.

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Federated Insurance Review

Federated is very different to your standard insurer. They have a name for being a leading specialized insurance provider that leading products that can be customized as well. A large number of products are listed in their portfolio including automobile, liability, as well as business insurances.

In their home and auto insurance, it is great to see that you will be able to get a peace of mind for your house, tenants, condo and a lot more. The one that I was very attracted to was their home insurance. This was because their policies are comprehensive, meaning you will be able to get the highest standards of cover, for even the worst case scenarios. Covered things include contents, liabilities, damages and many more.

Now concentrating on their car insurance, it is great to know private cars are not the only thing that can be insured. You can also have additional things like campers, utilities, travel trailers, motorcycles and even snowmobiles. According to what they can provide it can include coverage like damages done to people, damages done to third parties, and natural disasters like fires.

Lastly, I was very intrigued with their life and health products. Their life insurance blew me away because payouts are tax-free. This means you can be sure you will be able to use all the money you or your family to receive to plan for a better future.

The other products include:

• Disability insurance – The advantage of this plan is that it will be able to continuously provide you with an income even when you are unable to work due to your condition. Again, the payout is tax-free, which is good to hear.
• Critical illness insurance – This is similar to the above where you will be paid out certain a lump sum payment when you are diagnosed with a critical illness. The main advantage of this plan is so that you can concentrate on healing and have the money to pay for things like health care, mortgages and debts, and even education for your children.
• Group benefits – The benefits for this is usually made for those in a company.

In order to take out a policy, you must need to go through a representative or a broker. There are many within Canada and can be easily be discovered on their website as well. I had a look at what people were saying about them online and was pretty pleased with what I read.

Federated Insurance has been rated 4 out of 5 by Insurance Reviews.

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Assumption Life Insurance Review

Assumption Life is an insurer that operates in the financial area. They are made up by a team of qualified representatives and partners that enable the company to provide a comprehensive list of products to secure the lives of their customers.

All of the products offered by Assumption Life revolve around the area of life cover. There is quite a fair number of products to choose from, ranging from term to permanent cover.

It is fascinating to see that term insurance comes in three covers. They are known as FlexOptions, FlexTerm and Youth Plus.

The things I loved about the FlexOptions cover is that it gives you the chance to take care of your family needs. Most importantly, the protection can be tailored to give you that extra peace of mind. In most cases, you do not need to proof for you to be accepted, and a term can go up to 25 years, which is a lot.

FlexTerm, the next cover, is perfect for those between the ages of 18 and 65. The years of a period can be chosen to be 15, 20 or 25 years, with the guarantee of premiums. I thought it was very helpful to see that there are no medical exams needed in order to take out a plan if the coverage is up to $250,000. However if you decide to do a test, you can be covered up to $4,000,000 which I think is worth it.

Lastly, the third product is known as YouthPlus. It is for children from 15 days old all the way up to 17 years old.

Within the permanent insurance line, two covers are listed under it.

The first plan is known as Golden Protection and Golden Protection Plus. It does not require any medical exam and the coverage can go up to $50,000, which is a very reasonable amount. It is made for any individuals between the age of 40 and 85 years old.

The second plan is known as Total Protection, and just as the name implies, offer you a comprehensive cover that will be able to give you a peace of mind. It is for individuals from 18 to 80 years old, with protection ranging from $5,000 up to $30,000, which is a bit less than the plan above. Living benefits can be included for free, which is something good to know.

For more information about Assumption Life, feel free to check out their website.

Assumption Life Insurance has been rated 4.5 out of 5 by Insurance Reviews.

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MBNA Insurance Review

MBNA is a financial company, also a division of The Toronto-Dominion Bank. They have been known for their credit cards, as well as other products like insurance. Right now the only insurance product that they offer is credit profile protection, which is to generally used to makes sure your credit and identify remains safe.

The first plan is known as Identity Protection. The feature in this plan allows you to prevent identity theft under several features. You will be able to get online access to your credit report and get alerts when signs of fraudulent activity take place before it can ruin your bank account. Most importantly, I was very impressed to know MBNA has a system that can proactively monitor, manage and protect your credit.

Looking at the price, I was surprised at how cheap it is. There is a trail cost that you can take out to test out the service to see if it is any good for free for 30 days, which I think is a very reasonable amount of time. Then if you decide to continue with it, it only costs $17.99 a month, unless you cancel within $30 days.

In the other plan offered, it is known as Balance Protection. It’s main benefits is to be able to protect your credit rating at the most unexpected times like when you lose your job or if you are disabled. You will be able to get protection for the events like accidental death, critical illness, accidental dismemberment, loss of self-employment and also involuntary unemployment.

I feel that taking out such a cover is very important because the rating of your credit can affect the future perspective of your life. To make it better, the cost for taking out a cover isn’t really that expensive as well. In fact, with only $0.99 per $100 of your average daily balance, there is no doubt you won’t have to worry about the trouble of your credit ever again.

The only criterion is that you are at least 18 years old. One thing to know is that after your 70th birthday, the only benefits that you will receive are accidental death and accidental dismemberment benefits.

To see more information about the different MBNA insurance selections, make sure you visit their website. You may even take the time there to look through several of their other products to see fi any of them will suit your needs.

MBNA Insurance has been rated 4.5 out of 5 by Insurance Reviews.

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Assumption Life Insurance Review

Assumption Life is an insurer that operates in the financial area. They are made up by a team of qualified representatives and partners that enable the company to provide a comprehensive list of products to secure the lives of their customers.

All of the products offered by Assumption Life revolve around the area of life cover. There is quite a fair number of products to choose from, ranging from term to permanent cover.

It is fascinating to see that term insurance comes in three covers. They are known as FlexOptions, FlexTerm and Youth Plus.

The things I loved about the FlexOptions cover is that it gives you the chance to take care of your family needs. Most importantly, the protection can be tailored to give you that extra peace of mind. In most cases, you do not need to proof for you to be accepted, and a term can go up to 25 years, which is a lot.

FlexTerm, the next cover, is perfect for those between the ages of 18 and 65. The years of a period can be chosen to be 15, 20 or 25 years, with the guarantee of premiums. I thought it was very helpful to see that there are no medical exams needed in order to take out a plan if the coverage is up to $250,000. However if you decide to do a test, you can be covered up to $4,000,000 which I think is worth it.

Lastly, the third product is known as YouthPlus. It is for children from 15 days old all the way up to 17 years old.

Within the permanent insurance line, two covers are listed under it.

The first plan is known as Golden Protection and Golden Protection Plus. It does not require any medical exam and the coverage can go up to $50,000, which is a very reasonable amount. It is made for any individuals between the age of 40 and 85 years old.

The second plan is known as Total Protection, and just as the name implies, offer you a comprehensive cover that will be able to give you a peace of mind. It is for individuals from 18 to 80 years old, with protection ranging from $5,000 up to $30,000, which is a bit less than the plan above. Living benefits can be included for free, which is something good to know.

For more information about Assumption Life, feel free to check out their website.

Assumption Life Insurance has been rated 4.5 out of 5 by Insurance Reviews.

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Green Shield Insurance Review

Green Shield is a creative and innovative solution for people that are looking to have access to better health. They offer a number of health insurance products for individuals and groups. Stated on their website is a message that they respond to customers with passion and commitment.

There are currently three health insurance plans to select from.

Prism Precision is the name of the first that provides basic health and dental coverage. The first great thing that I love about them is that there are no medical questionnaire to fill which means almost anyone will be able to apply. There are four levels known as P1, P2, P3 and P4. The highest one is P4 and offers the highest limits of claims such as up to $1,250 on dental, up to $300 on vision and many more. I thought it was also remarkable to see that optional benefits are also provided for you to get better protection like hospital accommodation. In the P4 plan you will be able to get up to $250 per day for 30 days per year.

Prism Spectra is the second plan. This plan focuses on providing a more comprehensive coverage with claim limits that are higher than the first. One of the things different from this plan is that a medical questionnaire is required.

I had a look at their benefits and discovered again that there are four plans, and the highest one is S4. Up to $10,000 can be claimed per year on prescription drugs which I thought is a lot, and up to $1,750 on dental. Other benefits include hearing aids, home support service and medical items. Looking at the optional benefit that was also present here, the S4 plan again lets you claim up to $250 per day.

Prism Continuum, the third and final plan, is a bit different from the others. It is designed for people leaving a company group health plan. The highlight of this cover that I really enjoyed are the comprehensive coverage on pre-existing conditions, and it also makes a good choice for getting coverage for your current health care expenses.

The highest level is C4 and offers up to $2,000 on prescription drugs. All the features were similar to the other plans, however it is interesting to see that hospital accommodation is no longer an option. This means everyone that takes out a cover will automatically be covered for hospital stay.

Green Shield Insurance has been rated 5 out of 5 by Insurance Reviews.

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