Life can be unpredictable, but your family’s financial future doesn’t have to be. At Hilltop Financials, we provide clear, affordable, and reliable life insurance solutions designed to protect your loved ones if the unexpected happens.
Whether you’re securing long-term coverage, replacing income, paying off debts, or planning a legacy, our advisors help you choose the right policy with confidence.
We compare plans from leading Canadian insurers to ensure you receive the best combination of coverage, price, and flexibility—all tailored to your unique needs.
Life insurance provides a tax-free lump-sum payment to your beneficiaries in the event of your passing. This financial support helps your family
Life insurance is one of the most important financial decisions you can make—especially if you have dependents, a mortgage, or financial responsibilities.
At Hilltop Financials, we provide every major life insurance product available in Canada. Our advisors explain each option clearly so you can choose the right plan for your stage of life.
Term Life is the most affordable and straightforward option. It provides coverage for a fixed period—typically 10, 20, or 30 years.
Ideal for:
Benefits:
Can convert to permanent insurance
Whole Life insurance offers permanent coverage that never expires, as long as premiums are paid, and includes a guaranteed cash value component.
Ideal for:
Benefits:
Can be used for legacy or inheritance planning
Universal Life combines permanent coverage with flexible investment options, giving you more control over premiums and cash accumulation.
Ideal for:
Benefits:
Final Expense (or Simplified Issue) life insurance is ideal for seniors or those looking for basic, affordable end-of-life coverage.
Covers:
Benefits:
Low, predictable premiums
The best time is now, especially if
The right amount of coverage depends on your income, lifestyle, and long-term responsibilities. Most families choose coverage based on
A common rule of thumb:
Coverage = 10 times your annual income
Include
Estimate future education costs for children or dependents.
Funeral and estate settlement costs typically range from $10,000 to $20,000.
Our advisors at Hilltop Financials will guide you through a personalized needs analysis to determine the ideal coverage for your family.
Your family’s future is too important to leave to chance. Let Hilltop Financials help you choose a plan that provides protection, peace of mind, and long-term financial stability.
