If Something Happened to You Tomorrow, Is Your Family Protected?

A healthy 35-year-old non-smoker in Kitchener can get $500,000 of 20-year term coverage for as little as $25–$35/month. Your exact premium depends on age, health, coverage amount, and the insurance carrier. As an independent broker, we compare 20+ carriers to find your best rate.

Term life insurance provides coverage for a set period (10, 20, or 30 years) at a lower cost, ideal if you have a mortgage or young children. Whole life insurance never expires, builds cash value, and provides lifelong protection. Most families start with term for affordability, then convert to permanent coverage later.

Yes, many clients with diabetes, high blood pressure, or past health issues still qualify for coverage. As an independent broker, Glenn works with dozens of carriers and knows which ones are more flexible with specific conditions. We've helped clients get approved after being declined elsewhere.

Many term life policies offer instant approval with no medical exam for healthy applicants under 50. Standard applications typically take 2–4 weeks depending on the carrier and whether a medical exam is required. Glenn manages the entire process so you don't have to chase paperwork.

No, in Canada, life insurance death benefits paid to a named beneficiary are 100% tax-free. Your beneficiaries receive the full amount with no income tax. This is one of the most powerful aspects of life insurance as a financial planning tool.

Not always. Many policies, especially final expense and some term policies, are available without a medical exam. Simplified issue policies ask health questions but no exam. Guaranteed issue requires neither. For larger coverage amounts, a brief exam (blood draw and vitals) is typically required.

A common rule is 10–12x your annual income, but the right amount depends on your mortgage balance, number of dependents, debts, and income replacement needs. Glenn provides a free, personalized needs analysis to calculate the exact coverage that makes sense for your family.

Critical illness insurance pays a tax-free lump sum if you're diagnosed with a serious condition like cancer, heart attack, or stroke. With 1 in 2 Canadians expected to be diagnosed with cancer in their lifetime, CI insurance protects your finances while you focus on recovery, it's not just for older Canadians.

Glenn Stewart Insurance serves clients across Kitchener, Waterloo, Cambridge, Guelph, Brantford, Hamilton, Burlington, Oakville, Mississauga, Brampton, and throughout Ontario. As a licensed Ontario broker, Glenn can serve clients province-wide, including virtually.

Yes, completely. Insurance brokers are paid by the insurance companies, not by clients. You pay the same premium whether you go direct or through a broker, but with Glenn, you get expert advice, carrier comparisons, and ongoing service at no added cost to you.