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1-877-691-BLUE (2583)

Bernice Piercey, President

islandwidefinancial@outlook.com

07:30 am – 05:30 pm

Everyday

Life Insurance

We're here to help you get the protection you need

Term, or temporary life insurance is there when you need it most — like, when you have children, or decide to purchase a house. Term life insurance gives your loved ones the financial means to carry on if something happens to you. These products are affordable, even for those on a limited budget.

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How does life insurance work?
Are You Prepared?

Have you prepared your family for a future with you gone? Plan today to protect your family tomorrow.

  • Term 10 (Under $100,000): This plan provides flexible protection at affordable rates and is convertible to permanent insurance until age 65. The life of the contract is 10 years and you are able to renew your contract every decade up to age 75 without medical exams or questions.
  • Term 10 ($100,000 and up): All the benefits of the above, with the possibility of a lower rate if you meet requirements in areas such as weight, family medical history and driving record.
  • Century Life: Low rates and permanent protection are key features of this innovative term product. The contract remains in force for life, not just for a set period of time, so the affordable premiums are guaranteed to always remain the same.
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    Protection equals peace of mind

    Large medical bills, funeral or legal expenses can lead to hefty financial expenses. Unexpected emergency bills such as home or car repairs would certainly benefit from an emergency fund. Life insurance can cover these costs, and help your family in a time of distress.

  • Waiver of premium: If, prior to age 60, you become disabled (as defined in the policy) for a period of at least 6 months during the term of the contract, the premiums for your life insurance policy are waived for the duration of your disability.
  • Accidental death: This option provides an additional payment to your beneficiary should your death be the result of an accident. Provide your beneficiary with up to two times the amount of coverage included under your life insurance policy.
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    Children’s Education

    Many people like yourself set aside money towards their children's education fund. But if something were to unexpectedly happens to you while building up that education fund, are you prepared? Life insurance can help by creating a lump-sum cash payment that’s available to help pay for your children’s education.

    Any of the following riders may be added to a Term 10, Century Life or Whole Life 100 plan.

  • Family term rider: Extend coverage to your spouse and children at affordable rates. When children reach age 21, they can convert their coverage to permanent life insurance with Medavie Blue Cross, at up to five times its previous value—no matter what their health.
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