Life Insurance

With Youngs Insurance, Ontario residents get the life insurance policies and other planning tools you need to help provide for the ones you love - now and in the years to come.


To put it simply, life insurance provides a tax free death benefit to insured person’s beneficiaries. It is available in three main forms:

Term Life Insurance

Life Insurance - Youngs Insurance

Term life insurance provides guaranteed rates and coverage, with prices renewing depending on the term selected, most commonly every 10 or 20 years (known as Term 10 or Term 20). 

This is a cost effective coverage type, and is often used to protect mortgages. The plan you select should be renewable and convertible, so that in the future you have the option to change your coverage to a permanent Whole Life or Universal Life plan as your needs change.

Whole Life Insurance

Whole life insurance provides permanent protection with guaranteed level premiums and death benefit. This type of coverage can gain cash values the longer the policy is in force. 

This coverage is excellent for those who know they would like lifetime protection and are willing to spend more than for Term Insurance.

Universal Life Insurance

Universal life insurance provides permanent protection, along with the option to invest in a tax sheltered environment by over-funding the policy. 

This coverage is well suited for those who are concerned about estate preservation and estate planning.


Contact Us For A Free Quote

Get a FREE Quote


24/7 Claim Reporting

Stay in the loop!

Enter your information below to receive quarterly news, updates and offers from Youngs Insurance Brokers.
You can opt-out at any time. Need more info? Contact Us »


Tips For Mitigating Risks

  • In an effort to avoid vehicle issues in this harsh winter weather, you must make sure your vehicle is winter ready.
    > Read More



News & Updates

Giving Back | Project Share Food Drive | November 10 - 23

This year is the 7th Anniversary of the Project Share Food Drive! Join us on Saturday, November 11, 2017, at Commisso’s Fresh Foods in Niagara Falls to fill the Project Share Truck!