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Frequently asked questions
Life insurance companies can only offer their own products and solutions. As an independent insurance broker, we are able to compare multiple insurance companies products and solutions to find the right one for you.
There are absolutely no fees to purchase insurance with MDL Financial Group.
We are compensated directly from insurance companies when you purchase a policy, with no out-of-pocket cost to you.
Simple answer, no! As a completely independent insurance broker we have the ability to compare multiple companies and can offer the exact same quote as an in-house insurance representative. The difference is we are able to compare multiple companies instantly and provide you the best solution.
Never! We offer in-house advice and will never sell or distribute your information.
We can 100% guarantee you will NEVER be pressured to purchase any policy at any time. We are here to help you make an educated decision when the time is right for you.
Your policy will always remain directly with the insurance company. All premiums and policy information are collected and stored with the insurance company directly.
Yes we are licensed to sell insurance anywhere in the province of Ontario, Quebec and British Columbia.
Every situation is unique. However today you may be insurable and tomorrow you may not. Furthermore, with added pressure on interest rates, insurance companies are starting to increase premiums. If you have a need for life insurance, it is always best to get insurance as soon as possible.
Whole Life is a permanent lifelong insurance solution which offers both a savings component and insurance. Term Life is a temporary solution which offers guaranteed premium and coverage for a specified period of time.
Depending on your circumstances there are multiple ways to calculate how much insurance you may require. It could be a combination of eliminating debts, providing final expenses or replacing income. Whatever the methodology it comes down to what gives you peace of mind. Working with our experts we will provide guidance, however ultimately you will make the decision that puts your mind at ease.
Many factors contribute to the cost of insurance. Age, smoking status, face amount, length of term and medical risks are all taken into account. Our experts at MDL Financial Group will compare options to find the best solution for you.
Yes it is certainly possible to get insurance. We have access to a wide variety of policies for all different types of health history.
You will always have complete control and are able to cancel any application at any time without penalty. Once the policy is put in force, you have a 10 day free no obligation look at the policy. Thereafter, you may cancel at any time without penalty regardless of the term (minus the premiums paid during the time coverage was in place). Note some policies may have a return of premium or cash value which after a certain time may allow you to receive 100% or more of all premiums paid.
We offer multiple ways to service your needs. Phone, email, text, video conferencing and in person are all available.