Alliance Insurance helps Alberta families, homeowners, business owners and newcomers to Canada understand their life insurance options and choose coverage that fits their budget. Talk to our Edmonton or Calgary team, or send us a few details and we will get back to you.
A licensed Alberta broker will call you back the same business day with comparison quotes.
No credit check required for a quote
Most people come to us after a change: a new baby, a first home, a business partner, a move to Alberta. Here is where we usually start.
Think about the income, childcare and daily costs your household would still need to cover. We help you size coverage around that.
A mortgage is often the biggest debt a family carries. We can talk through ways to protect it, and how that differs from coverage offered by a lender.
Owners often have no group plan behind them. We discuss personal protection and what your business may need if a key person is lost.
Moving here brings new questions. We explain how life insurance works in Alberta and what to bring to your conversation with us.
There is no single best policy. The right fit depends on how long you need coverage, your health and your budget. Here is how the main options differ.
Coverage for a set number of years, such as while children are young or a mortgage is being paid down. It is often the more affordable way to get a larger amount of coverage.
Coverage designed to last your lifetime. Some permanent policies also build cash value. Premiums are usually higher than term, so it helps to be clear on why you want it.
Simplified and guaranteed options skip the medical exam or ask fewer health questions. They can help if you have a health condition, but premiums are often higher and amounts lower.
Pays a lump sum if you are diagnosed with a condition named in the policy, so you can cover bills or time off work while you recover.
Two different things share this name. Lender coverage is tied to your loan. A personal term policy is owned by you and names your chosen beneficiary. We help you compare them.
That is the most common starting point. Tell us about your situation and we will explain the options in plain language.
Products, eligibility and pricing vary by insurer and are subject to underwriting. This page is general information, not personal advice.
No jargon and no pressure to decide on the first call.
Call, email or fill in the form. Share who relies on your income and what you want to protect.
We review your income, debts, dependants and any coverage you already have through work.
We walk through the policies that could suit you, with the trade-offs in plain terms.
When you are ready, we help with the application. Timing depends on the insurer and underwriting.
A bank or a single insurer can only show you its own products. An independent brokerage like Alliance works for you as the client, so the conversation starts with your needs rather than a product.
Ask for a life coverage review at your next renewal. It is a short conversation, and it is easy to skip when everything else is in order.
There is no universal number. These are the questions that usually shape it:
Group coverage through an employer may end if you change jobs, so it is worth asking how long it lasts.
An advisor can turn your income, years of support, debts and existing coverage into an amount worth discussing, then compare it across insurers.
Taken from our Google reviews. They describe their overall experience with Alliance Insurance.
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Term covers you for a set period and is often the lower-cost option. Whole life is designed to last your lifetime and may build cash value, but premiums are usually higher. Many people start with term and add permanent coverage later if they need it.
Not always. Some policies are fully underwritten and may need a medical exam or health records. Simplified and guaranteed options ask fewer questions or none, but they often cost more for less coverage.
Death benefits paid to a beneficiary are generally not taxed as income in Canada. Cash value withdrawals from permanent policies can be treated differently. Check your situation with a tax professional.
Mainly your age, health, tobacco use, the amount of coverage, the type of policy and its length. Each insurer prices these a little differently.
Not necessarily. Lender coverage is usually tied to your loan. A personal term policy belongs to you, names the beneficiary you choose, and is not tied to a specific lender. We can compare both for your situation.
Eligibility depends on the insurer and your circumstances. Contact us and we will explain what applies to you and what information to have ready.
The Alberta Insurance Council licenses insurance professionals in the province and offers a way to look up a licence. It is a good habit with any broker or agent.
Tell us a little about your situation and an advisor will reply. You can also call or email us directly.
Please do not include health details in this message.