Case studies

Welcome to einsured.ca's Case Studies Section

At einsured.ca, we pride ourselves on our extensive experience and comprehensive expertise in navigating the complex world of insurance. We believe in transparency and the power of real-world examples to illustrate the value we bring to our clients. Below, you’ll find a selection of case studies that showcase our ability to provide tailored, effective insurance solutions across various sectors and client types.

Age

Condition

Weight loss surgery

Approval

7 Days

Need Analysis

Non-medical Life Insurance applied

without any weight question

Age

Gender

Female

Condition

Weight loss surgery

Approval

7 Days

Application Time

35 minutes

Discussion & meeting

50 minutes

Client

A young couple, both healthy 30 and 32 year old non-smokers, are eager to start their new family in their new home.

Concern:

To ensure they have financial protection should the unexpected happen.

Needs Analysis:

Short-term life insurance needs covering mortgage and bank loans: $350,000 each
Long-term life insurance needs covering funeral costs and final expenses: $50,000 each
Income protection need if diagnosed with a critical illness: $50,000 each

Term Life Insurance
(20 years)

Whole Life Insurance
(Pay period 20 years)

Critical illness
(25 illnesses – 20 years)

Total Coverage
(20 years)

Female

$350,000

$50,000

$400,000 + $50,000

Male

$350,000

$50,000

$400,000 + $50,000

Cost
( Male + Female )

$47.79

$131.00

$40.01

$218.80

Prices are subject to increase or decrease according to the associated insurance provider. As retirement looms, the need for insurance protection may dwindle for clients, who may instead require cash. To meet this need, clients can opt to surrender their policy and receive the available cash surrender value (CSV) at the age 65.