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Find out how our 30 years of life insurance expertise can help you obtain the rate you deserve.
Just as people pay different rates for auto insurance based on their risk factors and driving records, now virtually all life insurance companies have evolved to grant lower insurance premiums to what insurers consider to be healthier insureds. Those applicants in the lower risk category will typically be offered Preferred rates at 25%-40% off the standard risk rates.
The criteria used by insurers to evaluate those risks levels can vary radically from one insurer to another for blood pressure, cholesterol, family history and a multitude of additional factors.
We take pride in knowing these intricacies. Having meticulously researched our client's medical history and other factors, we match them with the insurer offering the most liberal criteria thereby maximizing the opportunity for the lowest rate.
Simultaneous ApplicationsWe will submit your application for insurance to 2 insurers simultaneously in a head to head competition for your business. All is above board with both insurers well aware that our clients are looking for the best offer.
We find this method particularly useful involving complex cases re: medical history, travel or other factors where the underwriter's opinions could vary widely from one insurer to the next.
If you answer around 8%, that's what most consumers would say but that's way off.
The effective interest rate for monthly financing is typically about 15%.
*Does NOT apply to most Universal Life policies.
If you've never been provided with this important financial information before from your current advisors or insurers, does it make you wonder what else you could be missing?
WE ELIMINATE THE FINE PRINT. Let us help you compare policy costs and terms. Call Now for your customized NO-OBLIGATION quote! 1 (800) 884-2126 or Click Here to complete your Quote Request.
“Hello Bruce C and Tugo Claims Department. I received reimbursement for the additional costs we paid to Spring Valley Hospital when Ken was a.."
“Bruce always gives a speedy response to our questions which is very much appreciated. Always very helpful with good advise.Excellent custome.."
“My wife and I travel regularly into the US for family events and to enjoy RV’ing. We are finally able to travel at ease having secured TuG.."
“Since purchasing our travel insurance with Bruce Cappon at First Rate Insurance my wife and I feel very comfortable that we are fully covere.."
“Re: Cancellation of Insurance: I was booked to go overseas from Canada fully covered by First Rate Insurance. Unfortunately due to infecti.."
“Hi Bruce, Thanks for your assistance in getting the premium refund for our unused travel time. We appreciate the great service that you prov.."
“Hi Bruce, just wanted to let you know that we received the full amount claimed re our trip interruption due to bad weather. Our friends who .."
“Hello Bruce, I want to thank you for your outstanding help every step of the way, especially all the prep work prior to actually buying the .."
“My wife and I feel very fortunate to have been introduced to Bruce through his article on travel insurance in “Canadian Moneysaver” maga.."
“It is more than 17 years ago that we contacted Bruce and signed our first life insurance contracts. As clients we felt, he has our best in.."
“Dear Bruce, Back in March of this year, my husband was hospitalized in Brandon, Florida for an emergency TIA, (mini stroke). We have been in.."
“I have been receiving insurance advice from Bruce since 1997 on a variety of insurance products. When buying life insurance, disability, cri.."
“Your timely and informative article “Insurance Coverage Even When You Make A Mistake”, recently published in the “Moneyvil.."
“Dear Bruce, I am writing to thank you and First Rate Insurance Inc. for providing my daughter with a policy from TUGO (formerly Travel Und.."
“Our efforts to secure reliable travel medical insurance was proving to be a difficult task. Finding insurance coverage for a senior couple w.."
“Just dropping you a line to thank you and say how much I enjoyed your two articles about health travel insurance. I am a cancer survivor a.."
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“Dear Peter: Bruce Cappon published an article in the January 2012 MoneySaver. It was most informative. I would speculate probably a lot of y.."