Email us your insurance questions at info@firstrateinsurance.com and we will do our best to provide you with an answer within 2 business days. Please note that your questions may be posted on our FAQ but we guarantee we will not disclose your personal information. All questions remain anonymous.

1. Do I have to pay to use your services?
2. Would it cost me less if I dealt directly with the insurance company?
3. Which insurance company do you recommend?
4. I am concerned about the stability of insurers. what information do you provide in this regard?
5. Would my life insurance policy be honoured if the company went bankrupt?
6. What's the true cost of paying monthly premiums instead of annually?
7. Why is my wife's Term Insurance cheaper than mine. We both purchased the same amount and we are the same age?
8. What is Critical Illness? Is it the same as Living Benefits? Are all policies the same?
9. How do I know if I am eligible for Critical Illness?
10. Why should I shop my mortgage insurance through your brokerage firm when I can easily buy it from my bank?
11. How does Bank Insurance Mortgage compare to an individual policy?
12. Will I need to submit medical evidence when I apply for Mortgage Insurance?
13. My agent tells me I cannot cancel the term insurance policy I just purchased or I will never be eligible for insurance again. Is this true?
14. Will you see the results of my medical tests?
15. What if I disagree with the insurance company's rating?
16. Why should I buy a 15 Year Term if I only need insurance for 11 years?