Coverage amount
How much would the beneficiaries receive if death occurs while the coverage is in force?
CONSULTATION GUIDE
Before Your Life Insurance Consultation
Learn how the consultation works, what information to prepare, and what to expect before making a decision.
Your situationWhat you want to protect
01Your needsA reference for your decision
02Your optionsMeaningful alternatives
03Understand the process
Learn what happens during the consultation and what comes next.
Prepare your information
Identify the information we will need and why it matters.
Make informed decisions
Understand how your needs and the available options are assessed.
Why do I need a consultation if I only want a price?
A price only makes sense when you understand how much coverage you are buying, what type of insurance it is, how it works, and why you need it.
If you know what to quote
You have decided on a coverage amount and term, and want to explore prices.
Explore prices →If you need guidance
We review your situation, estimate your needs, and evaluate alternatives to support a recommendation.
Your participation is necessary: we need information about your situation to carry out the analysis.
An insurance application can only be processed through a licensed advisor. Their involvement is part of the process, not an optional service.
01 / THE JOURNEY
How does the process work?
We do not begin by choosing an insurer or a product. First, we need to understand your situation and what you want to achieve. With that information, we can assess which options make sense.
Explore the five stages
Open each stage to learn more.
Applying for insurance does not mean your coverage is active
The insurer must assess the application and communicate its decision. If you accept the terms offered, the applicable requirements must be met for coverage to take effect. The application date, policy issue date, and coverage start date may differ.
02 / EVERY DETAIL HAS A PURPOSE
Why do we ask so many questions?
Two families with similar incomes may need very different coverage depending on their debts, dependants, savings, expenses, and goals. Not every question applies to every person or consultation.
Every question has a purpose: to understand your needs, evaluate alternatives, and, if you decide to proceed, prepare your application.
This guide does not request personal, financial, or medical information. Do not enter sensitive information here.
03 / A REFERENCE FOR YOUR DECISION
How do we calculate how much insurance you might need?
Financial needs
- Expenses associated with death.
- Outstanding debts.
- Income replacement for your family.
- Other relevant financial obligations or goals.
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Available resources
- Savings and investments allocated to those needs.
- Existing life insurance coverage.
- Other resources that should be considered.
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Estimated coverage need
Educational illustration of the concept. This is not a personalized calculation.
The analysis result and your decision
Calculated need
The estimated amount based on the information and assumptions used in the analysis.
Selected coverage
The amount you decide to apply for after considering your priorities, budget, and available alternatives.
The analysis is a reference for your decision. It does not mean you must automatically purchase the calculated amount.
The assumptions, periods of financial support, and available resources affect the result. The estimate is neither exact nor universal.
04 / PROTECTION, TERM, AND BUDGET
How do we choose between different options?
After identifying your needs and priorities, we can compare alternatives. The goal is not simply to find the lowest price, but to understand the protection each option provides and how it fits what you are looking for.
Length of protection
How long do you need to maintain that protection?
Cost and budget
How much can you sustainably allocate to premiums, meaning your insurance payments?
Term insurance
Protection for a defined term, according to the contract conditions.
Coverage beginsEnd of term
Defined termPermanent insurance
Protection designed to last throughout your lifetime, subject to the policy conditions and payment of the required premiums.
Coverage begins
Designed for your lifetimeNeither type is automatically better: its suitability depends on the needs and conditions being assessed.
Budget matters too. A recommendation must consider both the needs identified and your ability to maintain the insurance over the long term.
05 / ONLY IF YOU DECIDE TO PROCEED
What happens if you decide to apply for insurance?
Applying for insurance does not mean you are insured
- Submitting an application does not guarantee approval.
- The insurer may need time to assess the risk.
- The application date and coverage start date are not necessarily the same.
- Coverage takes effect according to the insurer's requirements and the contract conditions.
The terms of any temporary coverage during the process must be specifically confirmed; they should not be assumed.
06 / ARRIVE WITH MORE CLARITY
How can you prepare for our consultation?
You do not need to have all the answers or prepare complicated documents. However, knowing a few details in advance can help us make better use of our time.
Prepare at your own pace
0 of 7Your selections remain only while this page is open. They are not saved or sent to the advisor. Do not enter private information.
Do not worry if you do not know all the figures. We can identify what information is missing and determine whether it is needed to proceed.
07 / YOUR QUESTIONS ANSWERED
Frequently Asked Questions
About the consultation
No. The first consultation allows us to understand your situation and goal, and determine whether to proceed towards a recommendation.
If you have already decided on a coverage amount and term, you can use a quote tool to explore prices. The advisor's work includes assessing needs, explaining differences and conditions, and helping you determine how the alternatives fit your situation.
To consider options you can sustainably maintain. Your budget is assessed alongside your needs and priorities; it does not replace the analysis.
About your coverage
The needs analysis helps estimate an amount based on your situation, available resources, and the assumptions used.
Yes. The calculated amount is a reference. You can select a different amount after reviewing your priorities, budget, and the consequences of having less protection.
Yes. We can review available alternatives from different insurers based on your needs and the circumstances of your case.
We review its amount, duration, and conditions as part of your current situation. Do not cancel existing coverage before confirming that any new coverage is in force and reviewing the consequences of the change.
About the application
It depends on the product, insurer, and assessment of your application. Some cases require exams, medical reports, or additional information.
The time varies depending on the insurer, type of application, and outstanding requirements. Medical reports and requests for clarification may extend the assessment.
Not necessarily. Coverage takes effect according to the applicable conditions. If temporary coverage is available during the process, its requirements and limits must be specifically confirmed.
08 / NO PRESSURE TO DECIDE
What is the next step?
A good decision begins with understanding what you need to protect. The consultation is an opportunity to review your situation, clarify questions, and assess whether to proceed towards a recommendation.
Only looking for prices? Explore a quote.
