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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HSBC Insurance Review

HSBC is an international banking with headquarters in Canada as well. There are more than 6,600 offices in more than 81 countries. They are one of the biggest banking organizations globally and offer many banking, borrowing and investing and retiring services to offer.

Looking at HSBC’s website the only insurance type that they offer in Canada is travel insurance. Up to three choices are available in its portfolio.

The first and most common plan is HSCB Trip Insurance. The main features that I fell in love with are the coverage for lost baggage, damages and delays, trip interruption, and many more. It is available for both domestic and international travels, and will pay for all medical emergencies. A policy can be for one person or a family, which is good to hear.

One of the most impressive things that I’ve got to say about HSBC is that in medical emergencies, they will pay the medical provider directly so that you can concentrate on your recovery. You are able to purchase a policy any time before you head off, however is only available for people up to the age of 80.

An innovative plan is HSBC Trip Cancellation Insurance. It only reimburses the prepaid travel costs that are normally non-refundable due to unexpected effects like illnesses and other factors that may force you to cancel your journey. In my opinion, this is great for people that want to book their trip early, maybe to take advantage of discounts, and don’t want to worry about unexpected events that may stop them from going on the trip. One of the disadvantages of this plan is that it does not offer medical coverage, so if you are thinking purchasing this policy you should also take out another cover.

HSBC Visitors to Canada Insurance is the final product that insures people travelling to Canada. The main protection offered are medical attention in case you suffer from an accident or an illness. I think it is great for visitors, temporary workers and even students to stay protected. One interesting that I found out is that normal Canadian citizens can also take out a cover in situations when they are waiting for their healthcare to be approved.

It is more than evident that HSBC offers some of the best travel insurance policies in the country. To see their list of FAQ and even get a quote, feel free to go to their website and do so now.

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

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State Farm Insurance Review

State Farm is an insurance company created with a mission to manage the risks their customers can experience every day of their life. It covers from many unexpected events to help customers realize their dreams. I was awestruck to know a long number of policies are included in their product portfolio.

Auto insurance appeared first in the list. You will be able to make sure your car will be covered for many important things like liabilities, medical payments, collisions, uninsured motor vehicles and underinsured motor vehicle coverage. Most importantly, it is healthy to learn that in their coverage you will be able to minimize your risks by offering you extra protection from a long list of common lost due to fire, wind, flood, hail, theft and even hitting on an animal.

For people that enjoys sailing, there is boat insurance too. It is clear that many boat related equipment can be insured including oars, anchors, tools, life preservers and many more. It will also protect your boat from damage and risks related to sinking, theft, storms and fire, which are deemed as essential.

Concentrating on their home insurance, plenty of coverage are available to ensure your building and contents remain safe. The first and also the most important one is their personal insurance that includes personal belongings like jewellery, cameras, fine arts and computer equipment. The other coverage includes floods and identity theft which can also prove to be important. I am glad that all of these features are offered.

For people that owns a condo or are renters will also be about to take out condo owners insurance and renters insurance.

There are three simple life insurance policies under life insurance. They were pretty much named common like Term life insurance, Whole life insurance and Universal life insurance. The one with the most advantages has got to be Whole Life as it includes guaranteed benefits for death and cash value. Furthermore, you will also get lifetime coverage and premiums that will always be levelled.

The last dominant product that State Farm has to offer is business insurance. It is fair to say that they have a sort of protection to offer for all sort of businesses and even include commercial auto and umbrella insurance as well.

Other insurance products that State Farm has in their portfolio are farm insurance, personal property insurance, personal liability umbrella insurance and identity restoration coverage.

State Farm Insurance has been rated 4 out of 5 by Insurance Reviews.

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Cover Me Insurance Review

Cover Me is a company branched from Manulife Financial that offers an extensive list of insurance solutions that can be used to benefit the heath care needs of Canadians. The company was created back in 1956 and was also the first company to embrace computer technology. They currently serve millions of customers worldwide.

I was awestruck to see four different life insurance plans. They come in Guaranteed Issue Life Insurance, Easy Issue Life Insurance, Term Life Insurance and FollowMe Life Insurance. Of all four, no doubt the most popular product is the term cover because it is affordable and is an easy way to protect your future.

The term cover was made for people between 18 and 70 years old, which should be the majority of the population. The features in their plans that I found to be very beneficial are being able to be protected up to $1,000,000, which is obvious to see that it is a lot. For those that does not smoke, it is also great to see that you will be able to save up to 50% in your premium, which in its own way can also stop more people from smoking.

Something interesting that I really liked is that there is a way for you to covert your policy to a permanent life insurance policy as well, however this can only be done before you are 70 years old.

I also enjoyed seeing about their critical illness insurance. One very flattering thing about this plan is that if you are not satisfied you will be able to have your entire premium refunded with no questions asked. Depending on the plan you choose, you will be able to get paid up to $75,000 which as anyone can tell is a very large amount.

I was impressed with all the illnesses that are covered such as stroke, cancer and heart attack. Moreover, coronary artery bypass surgery and aortic surgery are also included.

Travel insurance can also be classified as a type of health insurance. It is good to know that there are plans for travellers from Canada, travellers coming to Canada, as well as policies made perfect for students.

Looking at the features for Canadian citizens, you are able to claim on healthcare costs while travelling, as well as coverage for your baggage, travel accidents, cancellations and many more.

The last product that Cover Me can offer is health and dental insurance. They are comprehensive and guarantees you to be accepted which is good news for everyone.

Cover Me Insurance has been rated 5 out of 5 by Insurance Reviews.

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Empire Life Insurance Review

Empire Life has a mission to help you build your wealth and finance in a way that it will offer you security in the future. They have a number of products including life insurance, investment options as well as group life and health benefits.

There are currently only two products that they offer that can provide protection for both you and your family if anything life-threatening was to happen.

The dominant and main product is the life insurance plan. First of all you can rest assured that all the sum you get paid will be tax free, as with any life insurer that pays out. There are five different plans for you select from known as Term insurance, Hybrid life insurance, Whole life insurance, Universal life insurance, Participating life insurance.

I had a look at their Term Insurance as it is a very common policy that people take out. I learned that they offer two products to choose from known as Solution 10 and Solution 20. The term for each plan is implied by its name. An advantage that I really liked is that your rates can freeze at a certain age, up to your 100th birthday.

In my opinion the term insurance would be great for families looking to start a new mortgage, business owners who need to cover several costs like overheads and start-ups, and many more.

Moving to the second main product is critical illness insurance. What’s really good about this is that they offer three plans; Vital Link 10, Vital Link 75 and Vital Link 100. Basically if you ever suffer from a critical illness and is unable to work, you will be provided with a sump sum of cash that is tax free to help you with the treatment and also pay for other things to help you keep going.

According to what I’ve read, it seems to me that this cover is great for hard workers that are worried about health problems. This is also suitable for business that doesn’t want to risk losing a key employee due to an illness. No matter what your reason is, the main thing is that you will be able to protect your lifestyle if illnesses like stroke, cancer and heart attack every strikes.

For business and organisations that want to take out group benefits, there are also several that are available. Empire Life offers an extensive list of benefits like health care essentials, disability benefits and travel emergency assistance.

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

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Travel Cuts Insurance Review

Travel Cuts is an interesting travel insurer that was started way back in 1969. They were established by a group of students with the aim to provide affordable ways to go overseas. They are owned and operated in Canada. To this day they have turned into a destination for unbiased, whole trip advice and expertise.

A very desirable thing is that the cost only starts at $1.33 a day, which is I think is affordable and would make great fit for younger people that are low on budget. Four choices are available for you to choose from that differ from features and claim limits. They are known as Comprehensive, Budget plan, Trip cancellation & interruption, and Emergency medical. One small downside to these policies is that in order to get a policy you must be under the age of 50.

I was somehow attracted to the comprehensive plan. It included a lot of popular and essential coverage which I thought would be very appropriate for travellers that want to be insured all the way they return home with the highest standard possible. The policy includes emergency medical, trip cancellation and interruption, baggage and personal effects, as well as a 24/7 personal accident coverage.

In the budget plan, there is one main thing that is not included. This was the baggage and personal effects. The disadvantage of this is that you won’t be able to claim for the common things like lost or broken items. The advantage though means you will be able to save money and still have your health insured, which I think should be the first priority.

The third plan is known as Trip Cancellation & Interruption Plan. This plan is solely to give you a protection when your trip is cancelled, interrupted or delayed due to things like natural disasters, terrorism and even problems with the airplanes. Based on experience, I think this plan is useful for people that have planned out their holiday so specifically that a little delay would mess up the entire journey and thus have to pay extra money to get have everything back on track.

The final plan is the emergency medical plan and offers coverage for health treatments. Coverage that you will get are emergency hospital treatment, doctor visits, dental care, air ambulance evacuation and many more. The great thing about this that I really loved is that the policy includes a number of adventure and sport activities that if you ever get injured while participating in it, you will be able to make a claim.

Travel Cuts Insurance has been rated 5 out of 5 by Insurance Reviews.

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National Bank Insurance Review

National Bank General Insurance, also known as simply NBC, is an insurer that offers automobile and home insurance products direct to the residents in Quebec. According to their About Us page, National Bank takes thousands of calls each day and offers the callers great quotes for their home and auto insurance.

I think the thing that caught my eyes the most is the fact that they are able to tailor your policy. Not only that, I also found out that they can make sure the premium will be a competitive price.

The coverage included is pretty fascinating. There are several categories and they include protection against damages, civil liability, motorcycles, and recreational vehicles and there is even an option to get endorsement to complement your insurance for just a few more dollars.

One interesting thing is that National Bank also has a plan dedicated to only young drivers. It is made for drivers between the age of 16 and 24 and best of all you won’t need to wait until your 25th birthday to get a lower price. In fact, for all full time students, a 10% can be applied, which I thought is a great way to make premiums affordable to youngsters.

In terms of discounts, I actually discovered a list of ways you can get further discounts which I thought would surely make them very affordable to everyone. There are reductions in price for good driving record, taking out a policy for two years, having low mileage and many more.

The home insurance plan is available for tenants, condominium owners and homeowners. The available coverage that I found to be undeniable are insurance for properties, liabilities and even an endorsement that prevent unsuspected problems such as water damages.

For those looking for discounts, I am pleased to have also found a list where you are able to save with discounts for coming your auto and home insurance, as well as taking a 2-year policy.

Lastly, it seems to me that National Bank has extended their product portfolio to include life insurance as well. You are able to choose from life, disability or critical illness insurance, as well as travel insurance and health and medical care. I thought these products can really change a person’s life around and would be a great way to get a peace of mind.

For more information simply head over to National Bank Insurance’s website and see what they have to offer on your own.

National Bank Insurance has been rated 4.5 out of 5 by Insurance Reviews.

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Gary Steeves Insurance Review

Gary Steeves is an insurer of classic automobiles that have been in business for more than 22 years. They currently have more than several thousand customers that have bought out a policy. Unlike other insurers, the staff at Gary Steeves actually knows about the products they are insuring about such as a fifth-wheel isn’t really a wheel.

Under their classic automobiles are two categories; Antiques and Modified.

I was actually very intrigued with their Antique, Classic & Special Interest Automobiles coverage. First of all it is underwritten by Elite Insurance Company. Included in each policy includes many features that can surely provide a peace of mind to the customer as well as offering them the flexibility to have a policy. For example, I found it very useful that policies are written on a valued form and is available for twelve months. If you are the owner of several vehicles, it is also very promising to know that you will be able to get some special discounts.

One thing to note is that only Canadians Residents can take out a policy, however it will offer you protection in both Canada and USA. Also, to be eligible you also need to have had ten years of continuous driving experience, which can be seen as a drawback to young drivers.

Modified, Street Rod & Customer Automobile Insurance was another interesting policy. Again, the things included are very similar to the first coverage, if not identical. The coverage are again based on valued and will be at use for twelve months. Discounts are also available.

Lastly, for those that has an RV, there is also a plan that you can take out. However upon clicking on it, it lead me to another website known as RV Insurance, a company that Gary Steeves seem to have partnered with. Beside the case, I had a look at their coverage and was really impressed with all that was offered. It included third party liability, contents, all perils, as well as many more.

To end this review, I had a look for some testimonials and found plenty of praises regarding the company. It was also very promising to see that people were able to have access to a fast claim process and were able to get back on the road in a very fast time.

To see more about Gary Steeves and its related products, make sure you go to their website.

Gary Steeves Insurance has been rated 4 out of 5 by Insurance Reviews.

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Belair Direct Insurance Review

Belair Direct has been providing car and home insurance for more than 50 years. In fact in 1997, they were the first car company that had a website that could provide quotes directly to their customers in real life. At this present day, Belair Direct has a name for offering great service to let customers compare and choose policies.

Car insurance is the first thing that I discovered, and I was very impressed. The first thing that really blew my mind were the features as part of their standard coverage. It included many important essentials like attendant care, income replacement, death and funeral benefits and even caregiver expenses. I can honestly say that anyone who takes out car insurance should definitely make sure all of these benefits are included.

It is also very delightful to see the number of options that can be taken out. For a few more extra dollars you are able to get several ranges of coverage options to protect you further form accidents. There are also options like comprehensive insurance coverage, collision insurance coverage and the crash-proof policy where you can protect your good driving record. I was able to see the usefulness of each of these benefits and am pleased that Belair Direct is able to provide them.

The other product that Belair Direct offers is home insurance. In order to get a quote, you must first enter your postal code, however even before you enter it you will still be able to get a fair idea about the coverage.

I think the thing to highlight is that tenants, condo owners and homeowners are able to take out a policy. Looking at homeowners insurance, it is very promising to see that you will be able to get coverage for dwelling and attached structures, detached private structures such as garden sheds and tool sheds, personal property and additional living expenses.

Something else that you can obtain is known as S.O.S. Identity, and is basically an identity restoration assistance that is available 24hours a day in case you are a victim of identity theft. The main advantage of this is that you will be able to reimburse up to $25,000 a policy and does not constitute as a claim to your home insurance policy.

It is apparent that Belair Direct offers the fulfilment to ever car and home owners. One of the best ways to get a quote and see how much you can save is to have a quick look at their website.

Belair Direct Insurance has been rated 4.5 out of 5 by Insurance Reviews.

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Kanetix Insurance Review

Kanetix is one of the leading comparing websites in Canada since 1999 where users are able to compare over a range of financial products such as insurance, mortgages and credit cards. The most outstanding fact about them is that they have some of the biggest brands of finance companies in their panel of companies that you can compare from.

According to their claims, an average for $600 can be saved from comparing car insurance. I had a look at how this could be done and simply found out that all you need to do is enter your postal code to get a quote. Some of the brands where you will be able to get a quote from are RBS, COSECO, The Co-Operators, The Personal and Allstate.

The impressive thing is that many different cars can also be insured. It includes classic car, commercial auto, motorcycle and RV. Interesting enough, there is also an app that you can download onto your phone to compare quotes on the go, which I thought can really save time.

In their property insurance, again you need to enter your postal code. In terms of the insurers that will show up, I was very glad to recognize some of even the biggest names like Aviva and Grey Power. I thought it was very useful that you can insure both your home or contents, or even both of them combined. According to a testimonial found online, a customer was able to save approximately $700.

Moving onto travel insurance, again the panels of insurers were very dominant. The average saving one would receive is around 50% which you’ve got to admit is not bad. You are able to get a policy for single trips, multi trips, and even an all-inclusive travel insurance policy.

One really outstanding thing about Kanetix is that they offer comparison among many different types of travel insurance such as for those visiting Canada, and those heading over to the snow.

In their life insurance, there is something a bit different. In order to get a quote, you need to enter the coverage type and amount, as well as some personal information. It was also easy to do without much embarrassing questions except for if you are a smoker. You are then able to choose from the term of life insurance; term or permanent, as well as other types.

The other types of insurance that you are able to compare but not mentioned here are health insurance, pet insurance and commercial insurance.

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

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Sun Life Insurance Review

Sun Life is an international service that deals in the area of finance and also has a base in Canada. Their commitment is to help customers around the globe to get a peace of mind when it comes to planning a security future in terms of finance. The insurances they offer revolve around health and life.

Under their health insurance, there are up to around six products available. I think the one most people would want to know more about is their personal health insurance. It comes under three plans known as Basic, Standard and Enhanced, which I think is a great way to let customers have total control on the types of benefits they would like to receive.

With just a quick summary, some of the reimbursements that you will be able to get for include prescription drugs, preventive dental, restorative dental, orthodontics, supplemental healthcare, vision, emergency travel, as well as many other optional benefits. What you can claim differs from different plans, but in my opinion the one I like the most is the Enhanced plan is because everything is included.

Another health related product that has been proven to be very popular is critical illness insurance. I really liked the two plans they offered known as SunSpectrum Basic Critical Illness Insurance, and Sun Critical Illness Insurance. My favorite one has got to be the latter one because it up to 25 illnesses can offer you a payout. Up to 4 can give you a partial payout, and up to 5 childhood illnesses can be covered for.

Having a look at the full payout illnesses, they included a lot of the common ones like cancer, coma, deafness, loss of limbs and many more. The only thing to note about this insurance is that to be able to be insured you must be at least 18 year old, but this is reasonable.

Dwelling in their life insurance, again, around six plans were offered, however some of them also fell under their health insurance category. Generally speaking, three life insurance exists; Term, Permanent and Universal Life. The one that impressed me the most is the Universal plan because it a typically a lifetime protection that. The advantage over tis plan is that it is a flexible way to combine long term life insurance with the opportunity for tax-deferred savings.

For more information and to check out more of Sun Life’s other products, make sure you go over to their website.

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

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La Capitale Insurance Review

La Capitale, for more than 70 years, have been a company providing insurance and financial products to more than 600,000 members. There are over 900 institutions in the Quebec and parapublic sectors.

I was impressed to see that La Capitale has offers for individuals and business customers. In this review we will concentrate only on their individual products.

Automobile insurance was just one of the striking products. They included protection for cars , trucks, and even motorcycles. According to their website there are several reasons about them that I found hard to ignore. First of all, for every new policy taken out that goes for a period of two years, a saving of $75 will be offered, as well as having the premium to be guaranteed to stay the same even if you ever need to make a claim. This means you will be able to rest assured that your costs won’t go up even after your car has been damaged.

More importantly, there is free CAP roadside assistance for every new customer. I found this to be very beneficial as it automatically means you will be covered if you ever get stranded on the road as well. Additional discounts can be obtained under several criteria like driving a hybrid vehicle and if your car has been installed with a recognized theft-deterrent system.

I think home insurance would be the next plan to consider. There are products for specific homeowners, tenants, condo owners, season residence owners, and even stationary trailers. Again, the things that really stood out for their home insurance is that you are able to earn several discounts such as if you purchase the “Consider it Done” deal or if you decide to insure both your car and home.

The levels of coverage they have on offered are Standard, Basic Plus and Enhanced. But what I thought was interesting is that there is a persoanlized form where you can use to get the best coverage under an amount that is affordable.

Two plans exist under their travel insurance plans. They include Medical and Hospital, and Comprehensive. It is very worthwhile to see that there is a budget plan that puts all the concentration on medical coverage, and one for the more concerned travellers to have everything insured. Some of the things available to be included are transportation expenses, living expenses, baggage insurance and trip cancellations. All of these I found to be very important.

Other plans that La Capitale that can offer you a policy but are not included in this review are:

• Life insurance
• Health and disability insurance
• Accident insurance
• Credit protection (loan) insurance

La Capitale Insurance has been rated 4.5 out of 5 by Insurance Reviews.

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Echelon Insurance Review

Echelon is a general insurance company that offers a speciality line of insurance, which means they operate by providing niche insurance products. One unique thing that makes them stand out is their innovation as well as having the ability to provide their customers with exceptional service.

Collector vehicles insurance was the first cover that caught my eyes. Like what Echelon mentioned, not many insurers offer protection for this type. At just a quick glance over the coverage, I was glad to see that it is automatically loaded with many essential features like liability, accident benefits, physical damage and more. Also, I really liked the way how the coverage is an agreed value as this can give you a better understanding of how much you will be protected for and how much you will be able to get paid. Spare parts coverage goes up $7,500.

Motor homes are the next thing to be insured. The thing to highlight in this plan is that there are protection, personal belongings, as well as coverage for emergencies which I think is very important. Premiums are very competitive and flexible to make sure you get the things you need.

For those with trailers, their trailer insurance was also very attractive. Again, it automatically includes a lot of the essential features. But what stood out is that there is a waiver of depreciation that is valid for up to 10 years.

Motorcycle insurance offers different policies depending where you are. But pushing this aside there are several things that you can rest assured will be included, such as getting protection for cruisers, touring and grand touring motorcycles. Also, it seems that this policy is also for mature riders where Echelon has developed several classifications to recognise your driving abilities.

One very interesting point is that they have an advanced rider training course to better equip you while you are on the road. This if you ask me is a great way to ensure you can stay safe and to reduce the number of claims. A variety of discounts are available for those looking to save money, which is always good, and most importantly there are several payment plans to help those that are a bit tight on budget.

In order to get a quote you can either do so through their website or through a broker. If you would like to get an instant quote, you are able to do so on their website.

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

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The Dominion Insurance Review

The Dominion of Canada General Insurance Company is one of the oldest insurers in Canada insuring a number of things from personal managements, all the way to property and casualty as well. As of 2013 they were acquired by Travelers Canada.

Auto insurance was the first product that I came across. It is very attractive to see that a range of automobiles and cars can be insured, including private passenger autos, classic, antique, motor home and recreational. I was impressed with the number of coverage included in their policy such as up to $2,000,000 for liability, benefits for accidents like medical, rehab and attendant care, family protection, waiver of depreciation and many more.

At an overview of home insurance, I was astounded again with the different properties that can be insured. They include homeowners, condominium, tenant packages as well as home business as well. It is also very interesting to see that there are also several extra things you can obtain such as boat protection, as well as coverage for seasonal protections like cottages, rented dwellings and many more.

Basically speaking, you can rest assured that both your buildings and contents will be protected, and this includes the outbuildings as well such as sheds and detached garage. Other benefits are additional expenses, liability, and even medical expenses. With so much essential points, it is apparent that this policy can prove to be very useful.

For those that are needing a policy for their commercial related assets, business insurance is also offered. The Dominion’s products range from commercial auto, commercial property, surety, home business, and many more.

In order to get a quote or policy from The Dominion, you must first do it through a broker. I thought it was very convenient that there is a tool on their website that allows you to do just that. All you need to do is enter your postal code and you will be given a list of brokers near your area.

The next thing I had a look at was their claim process. I really liked how there is a 24 hour emergency claims service. I was also overwhelmed to see that someone will contact you within 4 business hours once the claim notification has been received.

As a whole, The Dominion truly looks like something you would be able to rely on. With the great number of policies to choose from to suit all your needs, there is no other insurer to go with.

The Dominion Insurance has been rated 4.5 out of 5 by Insurance Reviews.

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Ingle Travel Insurance Review

Ingle is travel insurer that takes out the complication of purchasing a policy. The things that make Ingle stand out from the rest is that they have a knowledgeable customer support system as well as a dynamic website that is straightforward with information and resources.

This was very true when I landed onto their website. All the links were listed on the left with banners that introduced ways to provide immediate help. I was able to find information about all their products by clicking on the corresponding links.

Their main products are set into four products, fitted for people Canadians as well as people that are coming to Canada.

For travel insurance for Canadians, there are three policies to choose from. However the first thing to note is that the policies are underwritten by different companies such as RSA, Travel Underwriters and Manulife Financial. The good thing about them all is that they include up to $5,000,000 of maximum insured sum, which is a lot if you ask me. Most importantly, it is good to see that there is coverage for hospital, treatment of dental accidents, and depending on which plan you choose, you are also protected against trip cancellations. Visitors to Canada will also be insured under a number of plans. There are four to choose from, again offered by different insurers.

Snowbird travel insurance is a plan for those heading south this winter. It basically includes coverage that will benefit those in the snow the most, such as coverage for damaged or lost skiing equipment and more.

An interesting product is student insurance. This was designed for international students to provide medical coverage while they are in Canada. The very impressive thing that I saw is that up to $2,000,000 are offered as their lifetime maximum limit. Included are up to 60 days in hospital, diagnostic services, trauma counselling, emergency transportation, emergency relief of dental pain, accidental death and many more.

In terms of pre-existing medical conditions, it is overwhelming that Ingle does cover them, however this can also depending on the exclusions and stability requirements of your policy, when you take one out. As long as your conditions fit into the criteria, you will be able to have them protected. There are no advantages or disadvantages to this.

For more information make sure you head over to their website. They have a very extensive list of products that were not covered in this review.

Ingle Travel Insurance has been rated 4.5 out of 5 by Insurance Reviews.

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Equitable Life Insurance Review

Equitable Life has been providing financial protection to Canadians since 1920. They are one of the biggest mutual life insurers in the country where they are able to provide fully to the needs of their customers with things like personalized services, security, wellbeing and many more.

Their products come in many categories, including insurance products for individuals, as well as other products like investment management, savings & retirement and group benefits.

Term life insurance is the first service to be listed. The period can go for either 10 or 20 years, and most importantly, you are able to renew your policy when the period is over. The advantage of this plan is that you can customize your benefits to make sure it includes everything you need.

Whole life insurance is similar to term life, however it is a permanent protection. The thing that I really like about this is that it can guarantee your premiums, cash values and death benefits. The payment you receive from this plan can be used on a number of things like education funding, home renovation and even to add to your retirement income.

The two plans that you are able to select from are Equimax Estate Builder, and Equimax Wealth Accumulator. The first allows you to have higher long-term value, and the latter allows you to have higher early cash values within the first 20 years.

The next plan up is universal life insurance. What I really like about this plan is that it is very cost effective. It is also great for clients that want to have tax-advantaged investment opportunities.

Lastly, critical illness can provide you with an income in the event of you suffering a terminal illness. At first I was taken by the long list of conditions that are covered. It included things from heart attacks, severe burns, stroke, cancer, all the way to Parkinson’s disease, which I think will really cover the majority of illnesses people will suffer from. And for children up to the age of 25, conditions such as muscular dystrophy and cystic fibrosis are also covered to give you a peace of mind.

The benefits of this plan are that it is a lump sum payment and you are allowed to use the money however you like.

To see the other products that Equitable Life of Canada will be able to provide to you, it is very important that you head over to their website and have a look around.

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

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Gore Mutual Insurance Review

Gore Mutual is an insurance company that started trading way back in the April of 1837. For almost 200 years, they have remained as an outstanding company in the market, with a commitment to provide excellence. This has been recognised in the insurance broker associations.

I found their website to be very colorful and decent, which I thought matched up with their brand really well. The greatest thing about their website though is the fact that there is a link for them to find brokers, which will then be able to help customers take out a policy. I thought was very helpful as it can be seen as a way to let customers know which way to go.

Gore Mutual offers products under two lines; commercial and personal.

The commercial lines offers a variety of products for different businesses. They can include anything from garages, contractors, wholesalers, and even those that are employed in professional services. This is also interesting to know because it means your policy will be able to be custom tailored to suit the need of your needs.

Another advantage of Gore Mutual is in terms of making a claim. It is very good to know that there is a dedicated claim department that handles all claims queries, but that is not all; there is also a department that only handle claims regarding commercial policies. I thought this approach would certainly be able to make a lot of business owners save time and free up their minds in times of disasters.

Moving onto the personal lines, the protections are just as great. They are able to insure all your personal needs, including the very common ones like home insurance, automobile insurance, cottage insurance, marine insurance and liability insurance.

Just by browsing through them, some of the benefits, some of the things you may be able to get include coverage for damages, liabilities, as well as theft. Seeing this really gave me confidence in their policies.

I did a small search online to see all the things people have said about Gore Mutual and was left pretty surprised. It was apparent that the company is able to satisfy the needs of all their customers and offer quality services.

If you would like to see how Gore Mutual will be able to help you and even find out more about getting a quote or a policy, please do not hesitate to go to their website.

Gore Mutual Insurance has been rated 4.5 out of 5 by Insurance Reviews.

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TD Insurance Review

TD Insurance is part of TD Bank, which I am sure everyone in Canada would be aware of. They are one of the largest financial organizations in the country, offering a long list of products. It is also interesting to see that they have their own website that is dedicated to insurance to make it easier for customers.

Their products can simply be put into eight categories.

The first is auto insurance. The first thing that I found out is that depending what will fall under your car insurance policy will also depend on where you are living. But basically speaking, some of the things you will be able to get are overage for liability, damages, uninsured drivers as well as several more. A very important thing to note is that there are even additional things you can add to make your policy better, which I thought is a great way to give customers more control.

Other types of automobiles can also be insured like motorcycles and recreational vehicles.

Home insurance offers many options for all sort of owners. Some of the other products included tenant insurance, condo insurance, and even identity theft so that you can have your personal information in safe hands. However the thing that I really liked was their home insurance. One thing I realized is that the coverage will be tailored so that it will fit the unique needs of your home, which I thought can be used as an advantage. But generally speaking, you can expect to see benefits like coverage for accidents, damages, jewelleries, stolen items and many more.

Moving onto life insurance, two choices are available. they are term life insurance and accidental death insurance. The term life insurance has three policies that come in either terms of 10, 20 or lifetime, which is very interesting since the plan is known as term. Looking at the term of 10 years, you will be able to get coverage of up to $5,000,000 which sounds very promising. There is also the possibility to convert to a permanent, which I thought is also something that is good to hear.

In their health insurance products, there are three to choose from. Critical illness insurance, critical accident insurance and accident and sickness hospitalization. They are pretty much straightforward according to their names. You will be able to get benefits if you ever need to go to a hospital or if you suddenly become ill and can’t work.

The other products offered by TD Insurance include travel insurance, credit protection insurance and business insurance.

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

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Economical Insurance Review

Established in 1871, Economical Insurance is one of the biggest insurer that deals with products relating to property and casualty insurance in Canada. There is a wide range of products in their portfolio made perfect for personal, commercial, farm and surety needs.

First looking at their list of personal insurance, it is easy to see that their solution should match the needs of most people.

Automobile was the first to come up. The coverage for your car or vehicle will be able to be protected under the highest standard with benefits including repairs, legal fees, lost wages, medical expenses and many more. Even creational vehicles like motorcycles and snowmobiles can be insured.

Property insurance was the next thing that came up. Just like home insurance, a range of buildings can be insured, including home, investment property, home office and even hobby properties.

I think the most popular one would be the homeowners insurance. It is very pleasing to see that Economical understands that understands their customers like to have choices, which is why they have a list of levels for you to choose from; gold, silver or bronze. And then depending on which on you choose, you will be provided with coverage like replacement for your contents, personal property, detached structure, additional living expenses and even liability.

The third personal insurance is known as liability insurance. Economical is able to protect you from lawsuits that may arise from your personal actions and the ownership of your property. I think this is a very important policy to take out as lawsuits can be very costly if you are not careful.

Moving on into their business insurance, again a long list of policies are offered including different sized businesses, commercial vehicles, group or associations, and even surety needs.

I decided to look at their small business products and was impressed to see they have a lot of specific solutions that can be addressed to businesses like contractors, retail, churches and restaurants, to name a few.

Lastly, agri-business insurance is another product offered which I thought to be very beneficial. This is very similar to farm insurance and insurances a lot of products such as diary, poultry and equine insurance.

In order to get more information, and to take out a cover which you can do via a broker, you will find all the details they need on their website. All the information for making claims are there as well.

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

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London Life Insurance Review

London Life has been on the road to help Canadians meet their financial needs for over 130 years. The first thing that I got to say about them is that their website is nicely designed with links to all the different products they offered. I noticed mortgages, saving plans and of course insurance.

They were plenty of products to choose from, ranging from mostly life covers. There were four in their portfolio.

The first and highest priority product is life insurance. Two different packages can be taken out, either term life or permanent life insurance. What I saw, the term life insurance offers the lowest cost which is great for people that are on a tight budget. The terms can be renewed after 10 or 20 years, which I think is an adequate period.

On the other hand, a permanent life insurance can protect you for al lifetime, something I really liked about London Life. There are two plans under this category; participating life insurance and universal life insurance.

In disability insurance, I learned that it can be used to protect three aspects. They are yourself, your family and your business. Seeing all three can be insured can really give you a peace of mind.

The main advantage of taking out a policy is so that you will be able to receive an income in the event of being disabled. The money then can be used to pay for a range of things like rent, salaries, overhead expenses and many more.

Critical illness insurance can also be used for the same thing. The main difference is that it will cover you from critical illnesses that stops you from working. They include all the major conditions like heart attack, cancer and stroke, which is interesting to know because many of these can turn your life upside down if you are not correctly prepared.

Finally, health and dental insurance is another great product offered. I was very impressed to see that there are plans for everyone, no matter what life stages they are in. First there is one for individual and families where you are given the option of five plans and be covered up to 65 years old. The second plan is for those over the age of 50, up to the age of 75 years old.

As you may be too, I was mostly awestruck but so many benefits that London Life can provide. They are truly a one of a kind company to be part of.

London Life Insurance has been rated 4 out of 5 by Insurance Reviews.

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Great West Life Insurance Review

Great West Life is an insurer that has been proclaimed to help Canadians reach their security needs in terms of finance. Their history goes back more than 100 years with a range of products in their portfolio including investment, retirement savings, and insurance.

Seeing their list of individual products, it came to terms with me that their products rested in the grounds of life covers. There was only four different plans to choose from which I thought was an adequate amount.

Life insurance being the first one, there are four different options. The first two are the usual term life insurance and permanent life insurance. But what caught my attention is the fact that there are two more in the selections, some that were quite uncommon including participating life insurance and universal life insurance.

I discovered the participating life insurance is also known as whole life insurance and enables you to permanently have your life protection in place to make sure you get a peace of mind. The universal life insurance is the traditional life insurance with a tax-advantaged investment aspect. This means you can select an investment mix.

Disability insurance was also quite similar. There are several products to choose form including insurance for professionals, business owners, employees, business owners, employees as well as a low cost option for people that are seasonal workers or those that works at home.

In the critical illness option, coverage can be obtained for different life stages. The one thing that opened my eyes is the that there are plans for adults as well as children. In the adult cover, up to $1,000,000 can be covered which I thought is an astonishing amount. There is also the choice to either choose a coverage that is level or decreasing. Another important thing to see is that this plan includes all the common illnesses like heart attack, cancer and stroke.

Lastly, the four is health and dental insurance, which can be used to claim on a number of treatment. As I can see, this is a great way for Canadians to have their health in great care while paying less of the expenses. The solutions that can be taken out includes plans for individuals, families, as well as people that are aged 50 above and people that have retired.

To see more about Great West Life Insurance and view their products under both personal and business categories, make sure you have a look at their website.

Great West Life Insurance has been rated 4 out of 5 by Insurance Reviews.

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