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Life & Disability Insurance

Life & Disability Insurance Service

Life, disability and critical illness insurance are important. With life insurance, you can provide for your family and ensure that they are financially secure in the event of your passing. With disability insurance, you can provide for you and yours if you suffer a disability that prevents you from bringing in an income. Critical Illness Insurance can provide you with a lump sum payment if you suffer from “covered” critical illnesses.

While no one wants to think either about dying and leaving their family to fend for themselves or about suffering an illness or accident that leaves them unable to work. But the truth of the matter is that circumstance and happenstance happen to all of us. So you need to prepare for some worst-case scenarios in order to lessen the negative impact of death and disability. That is why life, disability and critical illness insurance are critical, and a life insurance broker can get you started.

Life Insurance

When it comes to life insurance, there are lots of things to consider whether you are a young professional looking to protect your family and yourself or you are an established professional looking to guarantee that your family can maintain a certain standard of living when you die.

Canada Protection Plan was founded in 1992 in Toronto and has grown into one of the country’s best-known providers of no-medical, simplified issue life insurance. W.B. White Financial is proud to offer clients exclusive access to no-medical life insurance plans. We can provide you with an instant quote by accessing our portal to Canada Protection Plan.

If you are currently considering a life insurance policy and are considering getting life insurance quotes, here are some options:

Term Insurance

Temporary Insurance is used for one of two purposes:

To cover a temporary need Or To cover a permanent need temporarily And Usually provides a level amount of insurance with premiums increasing at various durations (e.g. 1, 5, 10, or 20 years).

  • Inexpensive to start
  • Easy to understand
  • Increasing costs
  • Coverage often expires prior to life expectancy
  • No ability to create a tax sheltered reserve
  • No extension of coverage if you stop paying premiums
  • No flexibility to change or skip premiums
  • No option to increase coverage without medical evidence

Term to 100 Insurance

Term to 100 insurance provides lifetime coverage with a level low premium outlay.

It includes a level amount of insurance with a level premium (premium may be guaranteed). Some companies offer a shorter pay period (e.g. 20 years).

  • Level premium
  • Level death benefit
  • Can be guaranteed for life
  • Lifetime coverage
  • No ability to create a tax sheltered reserve
  • No flexibility to change or skip premiums
  • No option to increase coverage without medical evidence

Universal Life Insurance

Universal life insurance provides permanent protection with the ability to create a tax sheltered reserve. Premiums and the payment period, as well as the coverage amounts are flexible. The coverage can be kept for life.

Consumer accountable life insurance products guarantee mortality costs and expenses. The tax sheltered reserve links the interest earnings to an outside index, such as; TSE 300, S&P 500, and other stock market indices.

  • Lifetime coverage
  • Guaranteed expenses and mortality costs
  • Interest earned is linked to an outside index
  • Opportunity to access the tax sheltered reserve on a tax efficient basis
  • Flexibility to change or skip premiums
  • Option to increase coverage without medical evidence
  • Additional flexibility and options can result in greater complexity
  • Requires ongoing monitoring from an insurance advisor

Permanent Life Insurance

Permanent life insurance, also known as whole life insurance, will entitle your beneficiaries to lifetime coverage. One key benefit with this type of life insurance policy is that the beneficiaries will be on the receiving end of the growing cash value. Depending on the life insurance product you sign up with, you may have the option to pay for a specified number of years and then cease from paying thereafter.

Disability Insurance

You spend a lot of money protecting your home and car(s), but what about the one thing that makes them possible – your income? Disability Insurance can provide you with financial security by replacing a portion of your income when you are unable to work because of an accident or illness. By providing a monthly benefit, it can help you and your family maintain your lifestyle while you focus on recovery. Ask us about insuring your most “critical asset” – your income!

Critical Illness Insurance

Facing a critical illness can be emotionally and physically devastating. It can also lead to significant and unexpected costs that may not be covered by your provincial or employee health plans. Critical Illness insurance provides a lump sum benefit and the money can be used however you want.

  • Help pay medical bills and prescriptions costs
  • Renovate your home so it is more accessible (eg. wheel chair ramp)
  • Take a long vacation with your family and enjoy some “quality time”
  • Hire a nurse or caregiver to help you at home
  • Allow you to take time off work and spend time with your loved one

The insurance allows you to focus on what really matters and that is “getting better”!

At W.B. White Insurance, we understand the importance of getting the right life, disability and critical illness insurance policy. Contact us today for a quote or to discuss your personal needs. We are brokers and work with all major insurance carriers and can provide you with the best options and competitive rates available.

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We’ve got the insurance you need.

At W.B. White Insurance, we offer a wide range of options for industrial insurance. Whether you require industrial insurance in the construction, concrete or contractor spaces, we can help you to get the right industrial insurance to meet your unique needs. Teaming up with the most reputable insurers in the marketplace means that we will be able to get your coverage from an industrial insurance agency that understands your business and your needs.

The sorts of industries that we can help include, but are not limited to, the following:

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Gary Thompson
Gary Thompson
I have been dealing with W B White Insurance since the mid 1980's, around 40 years. In all these years they have always been attentive to my needs. Always made me feel an important client to them. Their premiums have always been fair, both home and auto. And yes I have periodically checked with other insurance agencies over the years to ensure that is the case. Good service and good premiums are important (price is not always everything). Recently, I had cause to make some changes to my auto insurance plan and was extremely happy with the service I received. My current Account Manager and has been for several years now, Michelle Hughes, handled things promptly, made the changes happen almost instantly. She is a real pleasure to deal with and makes things so easy for me. I am and will continue to not only be a client of W B White, but will also ensure I continue to recommend them to friends/family and neighbours. Gary
Al Muise
Al Muise
The best insurance company I’ve ever dealt with . Great customer service and amazing people ( my broker is Michelle Huges) Honest people doing exceptionally great work to save me money and keeping me protected.
Richard Yaworski
Richard Yaworski
I have been a client for years with W B White Insurance, great service and have never had any issues. I highly recommend them it you are looking for Home and Auto insurance.
Kyle Pearn
Kyle Pearn
Alanna has been attentive, easy to talk too and quick to answer any questions and concerns. I felt like she has truly gone above and beyond to take care of all my needs and wants when it comes to coverage. I want to provide the best I can for my staff, and make sure they and their families have sufficient coverage should anything happen. You need to trust your provider and broker. I can honestly say I trust Alanna 100% . Thank you !
Jordan Gladden
Jordan Gladden
Amazing company and phenomenal staff! 10/10 !
Michelle Pereira
Michelle Pereira
Efficient and pleasant!
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Oshawa Office 110 King Street East
Oshawa, Ontario, L1H 1B6

Lindsay Virtual Office

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Oshawa Office 110 King Street East
Oshawa, Ontario, L1H 1B6

Lindsay Virtual Office