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1. The one thing that surprised me the most is how many things you need to include while calculating how much life insurance you need to cover for those you are living behind.
2. A real life example would be if I were to get life insurance at my age (19) and I continued to pay is year by year, starting a family and buying a house, if I were to die my children and wife would struggle and need to rely on others for financial help if I didn't have it but since I would be insured they would get a big check, an inheritance and constant income from what I paid over the years.
3. If I can pass on some knowledge to a friend I would tell them specificly tell them to look for the right company to look for by going though their terms and policy to make sure you are really getting what you are paying for

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Video #4 -  Why life insurance is a scam

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Video #4 -  Why life insurance is a scam

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On a different note on life insurance, this briefly explains how life insurance is bad or what the person in the video calls a scam. He explains how you have a cash value and an insurance premium. It states how you pay for both but you will only every get one. If you cash your value, they will cancel your insurance. If you keep you insurance you won't ever get the cash value even tho you pay fro both. This explains how some insurance combines can decide you and make you think that your own money that you are paying is coming back to seem life free money in the future. this is important when it comes to picking the right company or even debating on getting life insurance in the first place.

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Walk with us advertisement should be a familiar video you should have seen once or twice before. It explains how anyone from the ages of 18-80 years old would be eligible to sign up for life insurance regardless of their health. they say wether you are a home owner, risk taker, or even new to the country you can still sign up. no needles or medical plans are required for most of their insurance plans. They cover up to 1 million dollars of coverage and they cover the first month of payments on them. This is very helpful for new clients to be more comfortable and get a better understanding on what its about without getting too deep involved.

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Animated mascot character demonstrates the advantages of Canada Protection Plan life insurance services.

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Photo #2 -  Why life insurance is important

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Photo #2 -  Why life insurance is important

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life insurance is very beneficial to the loved ones around you. Even though the pay out only comes after you may pass, it is still helpful for you family to have. With life insurance you pay a fee with the plan you have chosen typically around 10-30 years long and if you pass away you're family would get a cheque according to you plan.

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For this assignment i will be describing life insurance and how it would affect an average Canadian, what benefits it brings and why you should take place in getting life insurance. This information will be provided in text, photos and video formats across my Padlet wall.

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This advertises the TD life insurance trying to get you to sign up to see how much you can save over time. Their quote "Chart the best course for you life in the years ahead " can make you think about how a potential loss can affect those who rely of you to be their financially.
This advertisement gets you interested on getting life insurance and persuades you to look at their preferred rates.

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This State Farm life insurance  website briefly explains everything you need to know about life insurance. This is everything from getting a quote online to payment plans about permanent life and term life insurance. life insurance helps your life moments move on.

State Farm's insurance website is easily maneuverable and is very direct to the point. considering life insurance is for the most part older people it is easily accessible. Over all this web address helps you "Secure the Future'

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State Farm ® life insurance helps cover you with offerings such as term, whole and universal life insurance. Get a quote.

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In this youtube video it very well explains the pace of life and how fast it can really go by. They also demonstrate how there are many up and downs and how life is full of surprises. The video shows that there can be mirages, starting family's, traveling but the one thing that stuck out for me was that there can be injuries and deaths. Life insurance is important to have for this reason especially because if there was anything that would happen to you and you don't have insurance then you're family would have nothing to fall back on.

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Home Health Insurance Insurance Industry Life Insurance 101: Getting Started Policy Types About Beneficiaries Life Insurance Questions Shopping for Life Insurance Working with an Agent Tips on How to Read Your Policy Rights and Responsibilities FAQs

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website #4 -  New tax legislation for life insurance policies

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website #4 -  New tax legislation for life insurance policies

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Sunlife financial insurance financial adverse have the polices of life insurance listed below. This include the new tax legislation of life insurance policies. All the information listed on the policy was based from January 1st, 2017. Sun life financial advisors point the facts about premiums wether or not they can be deductible, investment income tax, policy dividends, death benefits and adjustable cost basis. Information provided here will help you understand exactly what you are getting in as a life insurance client.

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This is a full explanation on how life insurance works. The lady in the presentaion deeply describes everything you need to know. she talks about the types of insurance from life to term care, different plans you can sigh up for, policys and more. By the end of the presentation you will know pretty much everything you need to know about life insurance. This is very helpful cause it helps you know what to look for and what to stay away from when looking for an insurance provider. this is a step by step explanation of where exactly you money goes and I believe is it very clear and helpful information.

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This talks about the top four things you should know about life insurance in Canada this helps talk about what to ask before buying life insurance in Canada. The first is about how much life insurance should be chosen. This all depends on your family income, taking care of children’s education, paying assets and dealing with outstanding financial debt. the second question was about children. Fact you need to include food, clothes, healthcare, personal care, and school. There are several areas you need to calculate into your financial planning. the biggest question will always be, what is the best life insurance company to go with and this website drops a large list of insurance companies below from May 2019 out of five stars. Also what type of insurance do I need and it deeply explains the differences.

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What to Ask before Buying Life Insurance in Canada

Life insurance is an extremely important part of financial planning, but not many people want to talk about it. To make this topic more accessible, InsurEye is laying out the statistical facts and other useful pieces of information to inform Canadians about life insurance. After discussions with consumers, we have identified the main questions and concerns of Canadians:

* What amount of life insurance should I choose?
* How much insurance protection do I need if I have children?
* What are the best life insurance companies?
* What kind of life insurance policy do I need?

Question 1: How Much Life Insurance Should I Choose?

If you get Life Insurance in Canada, you want make sure that all essential financial aspects are covered so they do not become a burden for your family. These aspects can include:

* Income substitution for your family
* Taking care of your children's education (e.g. university or college costs)
* Paying down assets (e.g. mortgage on your house, car loan)
* Dealing with outstanding financial debt (e.g. lines of credit, credit card debt)
* Other costs (e.g. funeral)

So, how much life insurance coverage do Canadians choose? This data originates from our InsurEye Price Comparison tool, free for all Canadians to compare their own insurance costs with those of other people in similar peer groups.

Our data shows that most Canadians choose life insurance under $500k. We recommend speaking with a knowledgeable insurance broker or insurance representative before making this big decision. There might be other potential financial responsibilities that you have not calculated. If you have children, the costs can be much higher than you think - just take a look at the next section.

A separate word on Mortgage Life Insurance Protection: In most cases having separate mortgage insurance is not recommended. Having enough life and disability insurance can encompass a mortgage, avoiding policies overlaps.

If you are looking for insurance to cover your funeral expenses only, the coverage you need, would be lower - approximately $10-30k. A funeral insurance quote will help you to understand the exact costs for this type of insurance.

Free, no-obligation life insurance quote for you

Question 2: I Have Children - How Much Life Insurance Do I Need?

If you have kids, there are several areas that you need to calculate into your financial planning (see research published in the Money Sense online journal - link at the end of the article):

* Food
* Clothes
* Health Care (e.g. dental services, braces)
* Personal Care (everything from diapers to deodorant)
* School and recreation (school supplies, sports, activities etc.)
* Transportation (E.g. public transit or minivan)
* Housing (E.g. larger house with more bedrooms, furniture, additional utilities etc.)
* Child Care (e.g. nanny, daycare, babysitters)

Overall costs add up to $243,660 as the total cost of raising a child to the age 18. This means $1,070 per month over the course of 19 years. You should consider that this number does not include any post-secondary education costs. Having several children will obviously increase this amount correspondingly. Have you calculated these numbers into your life insurance protection?

Question 3: What Are the Best Life Insurance Companies?

This analysis is based on the data from our own independent insurance review platform. We do not promote any insurance companies, but collect and analyze what other Canadians share about their insurance providers helping to understand what are the best Life Insurance companies in Canada. All companies are evaluated based on reviews across two dimensions: Customer Service and Value for Money.

According to our data, the four life insurance products which have the highest ratings are offered by the following providers:

* 4.7 out of 5.0 stars: Primerica Life Insurance Company
* 4.4 out of 5.0 stars: BMO Insurance
* 3.9 out of 5.0 stars: Great-West Life
* 3.9 out of 5.0 stars: Sunlife
* See the full list of insurance reviews for other companies

We strongly encourage consumers to check the most recent version of our Independent Consumer Reviews, find out which companies appear to be best for them and share their own experiences! Remember, if auto or home insurance protect your assets, life insurance protects your family!

Question 4: What Type of Life Insurance Do I Need?

There are several types of life insurance in Canada - here is brief overview of different insurance types:

Term Life: Life protection that will expire at the end of a set term (e.g. after 5, 10, 20 years) and which does not accumulate any value. A Term Life Insurance policy is a pure insurance product: simple and easy to understand.

Universal Life: It is a combination of life insurance and an investment component. A portion of your premiums go into your account, increasing your net worth. You can choose how the investment component is invested. A Universal Life Insurance Policy typically comes at a higher cost than a Term Policy.

Whole Life: One of the most complex life insurance products. Like Universal Life, a Whole Life Insurance policy also has both insurance and investment components. However, they typically offer less flexibility (e.g. the insurer decides how the investment component is invested). This product is also more expensive than Term Life insurance.

While each type of life insurance has its pros and its cons, we believe, the best choice for most people is very often Term Life insurance. It's the simplest product to understand, it's the cheapest protection you will get, and it fully fulfills its purpose - to protect.

One of the fans of simple Term life insurance is Suze Orman, one of the leading personal finance gurus in the U.S.A. This video about Suze's perspective on life insurance is fully applicable to Canada.

According to InsurEye analysis, Term Life is the most popular life insurance protection type in Canada. Nearly 45% of InsurEye users, who have Life insurance, report that they have purchased Term Life insurance.

Please speak with a qualified insurance broker or advisor before making any important decisions associated with such an important topic. An insurance broker can also help with other types of insurance policies such as dental insurance policy, disability insurance coverage, or burial insurance protection (also called funeral insurance plans). Please note, that this article is provided for educational purposes only.

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4 Things you Should Know About Life Insurance in Canada

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Life insurance is an extremely important part of financial planning, but not many people want to talk about it. To make this topic more accessible, InsurEye is laying out the statistical facts and other useful pieces of information to inform Canadians about life insurance.

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In the article of payoff life, in explains the five main reasons it is beneficial to have life insurance is start with. the five main reasons they talk about are :
1. To protect your family financially
2. Leaving an inheritance
3. Paying off depts / expenses
4. Adding more financial security
5. Bringing peace of mind
This explains how important life insurance really is to someone that relies on you for financial support. you never know what will happen out there in the real world weather you will die tomorrow or in 50 years but if you have insure at least the loved ones that relies on you will be protected from future financial problems.

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Insurance can be confusing and it's hard to know what you really need or want. But here are five very good reasons why you need life insurance.

As we grow older, get married, build families and start businesses, we come to realize more and more that life insurance is a fundamental part of having a sound financial plan. Depending on your type of policy, life insurance is fairly cheap, which means there's no excuse not to get coverage now. Plus, over the years, you'll find comfort in knowing money will be available to protect your loved ones in the event of your passing. Here are a few other reasons why having life insurance is important.

To Protect Your Family and Loved Ones

If your loved ones depend on your financial support for their livelihood, then life insurance is a must, because it replaces your income when you die. This is especially important for parents of young children or adults who would find it difficult to sustain their standard of living if they no longer had access to the income provide by their partner. You will also need to provide enough money to cover the costs of hiring someone to cover the day-to-day household tasks, like cleaning, laundry, cooking, childcare and everything else a growing family needs.

To Leave an Inheritance

Even if you don't have any other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries. This is a great way to set your kids up for a solid financial future and provide for any monetary needs that will arise.

To Pay Off Debts and Other Expenses

In addition to providing income to cover everyday living expenses, your family needs insurance to cover any outstanding debts, like the mortgage, credit cards and car loans. Other expenses include funeral and burial costs that can easily run into the tens of thousands of dollars. You don't want your spouse, parents, children or other loved ones to be left with any extra financial burden in addition to the emotional burden they're already suffering.

To Add More Financial Security

Like most parents you probably want to know your kids will be well taken care of when you're gone. You not only want them to get a quality college education, but to provide for other life ventures like getting married or starting a business. For this reason, additional coverage is absolutely essential while your kids are still at home.

To Bring Peace of Mind

We can't know when we'll pass away. It could be today, tomorrow or 50 years from now, but it will happen eventually. No amount of money could ever replace a person. But more than anything, life insurance can help provide protection for the uncertainties in life. Without a doubt, having life insurance coverage will bring you and your family peace of mind. It's one thing you can be sure of and you'll no longer have to question whether they'll be taken care of when you're gone. Life insurance protects your heirs from the unknown and helps them through an otherwise difficult time of loss.

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5 Important Reasons Why You Need Life Insurance | Payoff Life

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As we grow older, get married, build families and start businesses, we come to realize more and more that life insurance is a fundamental part of having a sound financial plan. Depending on your type of policy, life insurance is fairly cheap, which means there's no excuse not to get coverage now.