Access Life offers a hassle-free life insurance solution, providing quick and comprehensive coverage for individuals aged 6 months to 80 years—no medical exams or blood tests required. Access Life ensures basic coverage from $10,000 to $100,000 for clients facing challenges in obtaining life insurance. For healthier clients, coverage can reach up to $500,000.
Clients complete a three-step questionnaire, with each step offering better premiums and coverage options. The further they progress, the more advantages they gain, such as access to term insurance or eligibility for higher coverage amounts. Even if a client's health condition prevents them from qualifying at a certain stage, acceptance is still guaranteed, with protection of up to $50,000 ($10,000 for children, $25,000 for those over 50).
ACCESS LIFE SIMPLIFIED ISSUE INSURANCE MARKET
Access Life is perfect for those who have difficulty obtaining traditional life insurance. It's also an excellent choice for individuals who wish to avoid medical exams, whether due to time constraints or concerns about qualifying for regular insurance policies.
Clients declined to underwrite
Some individuals face challenges obtaining traditional life insurance coverage, whether due to medical or non-medical reasons. Access Life is designed for them. With Guaranteed Access coverage, no one is declined, making it the perfect solution for those in need.
Children with a health condition
Access Life also offers simplified issue life insurance for children under 18. Sadly, many children with illnesses can't get life insurance through traditional underwriting. Access Life solves this problem for parents seeking coverage for their children. Even common medical issues like asthma or ADHD, which may lead to declined or postponed coverage, are accommodated. Access Life provides an excellent solution for these children too!
Seniors
Seniors often mistakenly believe they can't get life insurance because of their age or health. Yet, they often want to ensure their final expenses are covered. While many funeral homes offer pre-arrangements, a life insurance policy not only covers these costs but can also provide an inheritance for the family.
New Immigrants
Newcomers to Canada often face limited life insurance protection. With Access Life, they are eligible for all levels of coverage based on their answers to the medical questions in the application. Additional life insurance can help cover funeral expenses in their home country or address other unmet insurance needs.
THE PROTECTION
— L100 permanent coverage
Access Life offers L100 whole life insurance, providing guaranteed surrender values and paid-up insurance over time. The reduced face amounts are also contractually guaranteed. This coverage is available across all three steps and Guaranteed Access options.
— T15, T20, T25 term coverages
Access Life offers 15-year, 20-year, and 25-year term coverages under the Deferred Plus and Immediate Plus steps. These term protections are ideal for temporary needs, such as mortgage coverage, additional financial security while raising young children, or any other client protection. The term coverage is both convertible and renewable.
Access Life Insurance can be a game-changer for those who have faced challenges getting insured, whether due to past declinations, health conditions in children, new immigrants, or seniors.
Reach out to us and discover just how easy it is to get insured. Click the contact button to contact us and see for yourself.
