I was just wondering if anyone has had any experiences (good or bad) with Canadian Premier Life Insurance Company out of Markham, Ontario, Canada. The Insurance is sold through Sears.

Anyhow information or experiences you have had that you can share would be greatly appreciated. Thanks

 

  • Chris C 1:25 pm on August 31, 2010

    I would strongly suggest that if you’re looking at Life insurance to go through a liscensed broker. Just my opinion, but insurance should not be a "would you like to super size your order with some life insurance on the side?" from a place you buy tools and clothes from. There are tons of factors that should go into your decision so it should be dealt with through a professional.

    While I’m not 100% positive with how Sears insurance works, I would assume it’s the same as all other non-insurance companies that offer insurance. The underwriting is done at the time of claim, which means they ask you a couple of general questions and approve you to pay for it, but at the time of claim they can deny it due to pre-existing conditions or various other reasons. I’ve seen a lot of people get screwed by these types of insurances. Creditor insurance through banks, group benefits through work and any type of ‘club membership’/organization member insurances work the same.

    Again, I don’t know if this is different from that, however, as an insurance broker myself, I know for a fact that there are very likely far better companies out there. I’m lisensed with 30 different companies for insurance and Premier isn’t one of them. If they were a good company to get insurance from, chances are I or at least my company would know about them. Not saying they’re bad, just saying there are likely a ton of better options

  • Surekha Parekh 1:25 pm on August 31, 2010

    Chris C is right. I am an insurance broker, I do not have this co. in my list.I can give you quote for life insurance customize to your needs . I travel Toronto quite often.

    For quote send me these information your age, smoker or non, and if you have any health issue.

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