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with your life insurance
TIP Services - Insurance Broker in Richmond Hill
Term Insurance
Term insurance is the most affordable option when it comes to insuring your loved ones.
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Guaranteed Life Insurance
If you purchased life insurance 5-10 years ago, you know the process sometimes ...
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Universal Life Insurance
Universal life (UL) insurance was designed to give the purchaser more flexibility...
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Participating Life Insurance
Arguably the most popular permanent life insurance is whole life insurance.
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Disability Insurance
Imagine you had a machine in your basement that printed money. The money ...
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Critical Illness Insurance
Critical illness insurance or CI for short has become increasingly popular over...
Read MoreEasy Approval Term Life Insurance
Term Life Insurance is the most affordable and easy to understand coverage that gives your family protection without breaking the bank to do so.
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TIP Services is an independent financial advisory firm founded in 2003 with our belief that in order for us to succeed we need to put our clients first.
Every decision we make is made with our clients in mind. We do not blindly follow what every financial service provider recommends but what is going to help our clients and impact their families the most.
We know what our clients mean to our business and we value and care for each and every one of them.
With our unique, client-focused approach, we deliver a comprehensive suite of creative solutions tailored to the individual needs of our clients.
At some point in our lives, we face one of three eventualities:
- Living longer than expected and possibly outlasting our financial preparations
- Departing prematurely before achieving our goals, or
- Encountering health challenges somewhere in between
These are universal truths that many of us can resonate with. At TIP Services, we understand the uncertainties life presents, and we’re here to provide the security and peace of mind you need to navigate them with confidence.
Experience
Experience
We have over 25 years of expertise, so you can have confidence in our recommendation.
Best Companies
Best Companies
As a brokerage we have access to every company Canada has to offer, so our recommendations won’t be beat!
Quality Service
Quality Service
Unlike the banks, where you might speak to someone different every time you call. With us you get a designated advisor, you can work with the same person every time.
Flexibility
Flexibility
Let’s face it, life changes fast. This is the reason our advisors are dedicated to finding a plan that works best for you and are willing to adjust it going forward. Not a one size fits all.
Happy Clients
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Our software is designed to provide easy access to FREE Insurance Quotes without having to speak to a Sales Representative. However, if you have any questions OR you want to apply for coverage please contact our Non-Commission Licensed Advisor.
Comparing Life Insurance Quotes
A step-by-step guide for comparing Life Insurance quotes.
Term Life Insurance Quotes In Canada
Find out how to get Term Life Insurance
I spoke with a gentleman name Trevor. He reviewed my existing coverage, which I had purchased many years ago. He told me that the coverage I have is the best coverage for my situation. If I were to purchase a new Life Insurance policy I would likely pay 7-8 times more than I am now. I am not sure how a company like this stays in business by reviewing a policy. However, the services and knowledge was exceptional.
John Hannington
After speaking with multiple advisors I can tell you Trevor is the guy you want to work with. We were a little shocked by the insurance advisors out there. They seemed to be desperate to get our business or recommend the more expensive option. Trevor on the other hand made us feel he wanted to find the best plan for us at a price that made sense. I also like he showed us different companies and gave us good options to consider.
mike Sandlerbaum
We are super happy with the customer service of Tip Center. Hootan really worked closely with us to ensure we have the best benefit package for our employees at Inventiveminds. He also helped us with corporation insurance.
I highly recommend Tip Center . They are very professional and provide excellent customer service. We have been with Tip Center for good 10 years . HIGHLY RECOMMEND
Inventive Kidz
Do you help people get coverage or just give them access to see what companies charge?
Susan Whitman
“As unbiased brokers, we shop the market to find the most suitable plan at the lowest cost”
There are two basic forms of Life Insurance.
Term Life Insurance: Term Life insurance is an easy and affordable option for owning Life Insurance. Term offers a level coverage amount at a set cost for a specific time.
For Example:
Sally can get $500,000 of life insurance for 20 years at $42.23 a month. So she knows her family is protected and her rates won’t go up.
Permanent Life Insurance: Permanent Life Insurance is designed to be there whenever your time is up.
Permanent life insurance products, although more expensive offer level cost for as long as you own the policy.
Some permanent products also cover what’s called a “cash surrender value”. Which is like a forced savings account. Simply by paying your premium your cash surrender value will grow over time, which you can access at any time TAX-FREE.
In its basic form, a life insurance policy provides death benefits and is designed to cover loss of income, end-of-life expenses, funeral costs and other financial needs that a family may have if you the policyholder, should die unexpectedly.
While death benefits are often designated for funeral expenses and income replacement, life insurance is a very flexible type of coverage that can be used in numerous ways.
A life insurance policy is a contractual arrangement between you, the policyholder, and the life insurance company. The policyholder determines the amount of life insurance coverage required and pays the life insurance company a premium to keep the policy in force.
The way the premium will be paid will also be spelled out in the policy. Most people will pay their premiums on a monthly basis, however, there may be different options available depending on your circumstances. The premium must be paid according to the terms of the policy to keep the life insurance policy active.
Should the policyholder die while a life insurance policy is in force, then the life insurance company will pay out the death benefits specified in the policy. Additionally, the insurance policy will accumulate a cash value. This feature is only applicable to permanent life insurance policies.
Death proceeds are paid as a lump sum to the named beneficiary (the person who will receive the life insurance benefits), as stipulated in the policy.
There are many different ways you can purchase a life insurance policy. It’s best to use a trusted broker who can find the best policy for you. If you would like help with this please click here and we would be happy to assist you.
There are two basic forms of Life Insurance.
Term Life Insurance: Term Life insurance is an easy and affordable option for owning Life Insurance. Term offers a level coverage amount at a set cost for a specific time.
For Example:
Sally can get $500,000 of life insurance for 20 years at $42.23 a month. So she knows her family is protected and her rates won’t go up.
Permanent Life Insurance: Permanent Life Insurance is designed to be there whenever your time is up.
Permanent life insurance products, although more expensive offer level cost for as long as you own the policy.
Some permanent products also over what’s called a “cash surrender value”. Which is like a forced savings account. Simply by paying your premium you cash surrender value will grow over time, which you can access at any time TAX-FREE.
In its basic form, a life insurance policy provides death benefits and is designed to cover loss of income, end-of-life expenses, funeral costs and other financial needs that a family may have if you the policyholder, should die unexpectedly.
While death benefits are often designated for funeral expenses and income replacement, life insurance is a very flexible type of coverage that can be used in numerous ways.
A life insurance policy is a contractual arrangement between you, the policyholder, and the life insurance company. The policyholder determines the amount of life insurance coverage required and pays the life insurance company a premium to keep the policy in force.
The way the premium will be paid will also be spelled out in the policy. Most people will pay their premiums on a monthly basis, however, there may be different options available depending on your circumstance. The premium must be paid according to the terms of the policy to keep the life insurance policy active.
Should the policyholder die while a life insurance policy is in force, then the life insurance company will pay out the death benefits specified in the policy. Additionally (applicable to permanent life insurance policies only), the insurance company will accumulate a cash value.
Death proceeds are paid as a lump sum to the named beneficiary (the person who will receive the life insurance benefits), as stipulated in the policy.
There are many different ways you can purchase a life insurance policy. Its best to use a trusted broker who can find the best policy for you. If you would like help with this please click here and we would be happy to assist you.
