How Do We Build a Custom 360 LIFE PLAN For You?
STEP 1:
Life Audit
Our Life Audit is simple and does not require much effort.Your personal TLFG advisor will guide you through the process of understanding your current protection needs, financial goals and your plans for the future.
STEP 2:
Evaluate
With TLFG, you gain access to Canada’s top 20 insurance companies, allowing us to fi nd the best solutions, prices, and coverage for you. Your personal TLFG advisor will also create a personalized wealth management strategy tailored to your short and long-term goals based on the criteria you provide.
STEP 3:
The Plan
Following the evaluation, your TLFG advisor will provide you with a personalized plan detailing the ideal policy coverage for your current needs, along with a wealth management strategy to help you begin working toward your life goals.
STEP 4:
Review
The best part of working with your personal TLFG advisors is they are with you every step of the way. Your personal advisor is always there when you need them and will schedule checkpoints to go over your policy for any life changes or needs to always ensure you have the best coverage for your needs.

Everything We Cover

Life Insurance

Home Insurance

Child Insurance

Critical Illness Insurance

Henson Trust

Mortgage Insurance

Auto Insurance

RESPs

Stacked Life Insurance
Get a Personalized Plan
Frequently Asked Questions
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How much life insurance do I need?The amount of life insurance you need depends on your individual circumstances, including your financial obligations and goals. A common rule of thumb is to have coverage equal to 5-10 times your annual income, but a more accurate assessment considers your debts, expenses, and future financial needs.
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How do I choose the right life insurance policy?Choosing the right policy involves evaluating your financial situation, goals, and budget. Term life insurance is often more affordable, while permanent life insurance provides lifelong coverage with an investment component.
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What factors affect life insurance premiums?Several factors influence your life insurance premiums, including: Age: Younger individuals typically pay lower premiums. Health: Your overall health and medical history play a significant role. Coverage amount: Higher coverage amounts lead to higher premiums. Smoking status: Smokers often pay higher premiums. Lifestyle: Risky hobbies or occupations may increase premiums.
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Can I buy life insurance for someone else?Yes, you can purchase life insurance for another person, but you typically need their consent and insurable interest. Insurable interest means that you would suffer a financial loss if the insured person were to pass away. This is common in cases like spouses, children, or business partners buying life insurance on each other.
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Can I change my life insurance policy after purchasing it?Yes, you can often make changes to your life insurance policy, such as adjusting coverage amounts, adding riders (optional policy features), or even converting a term policy to a permanent one
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Should I get life insurance if I'm single with no dependents?Even if you're single with no dependents, life insurance can still be beneficial. It can help cover funeral expenses, outstanding debts, or leave a legacy for loved ones or charities. Additionally, purchasing life insurance when you're young and healthy can result in lower premiums.