It’s the perfect time to secure your short and long-term financial goals.
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Mount Royal Block Suite 290, 815 - 17th Ave SW Calgary, AB T2T 0A1
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Alberta’s diverse communities—from Calgary and Edmonton’s urban centers to rural farming towns and energy sector hubs—face unique financial realities. Economic shifts, fluctuating incomes, and growing property values make life insurance an essential part of any long-term plan. Ten O Eight offers tailored life insurance strategies that align with the needs of Alberta’s families, professionals, and business owners.
Life insurance provides financial security to your loved ones and business partners when the unexpected happens. In Alberta, where industries like oil and gas create economic highs and lows, and where many families manage farms or small businesses, life insurance helps protect against income loss, estate taxes, and debt. It supports your family’s future and safeguards your legacy.
Term life insurance provides affordable, fixed-period coverage and is ideal for:
This option offers high coverage at lower premiums, making it a smart choice during critical life stages. It also allows for future conversion into permanent insurance as needs evolve.
Permanent life insurance offers coverage for life while building cash value over time. It’s suited for Albertans seeking: End-of-life expense coverage, Tax-efficient wealth transfer, Long-term investment growth, Business succession strategies.
Permanent policies support financial planning beyond just protection, offering stability for those looking to build and preserve assets across generations.
An Insured Retirement Plan uses a permanent life insurance policy as a tool to build retirement income. The policy accumulates tax-deferred cash value, which can later be accessed through structured loans. This strategy is valuable for Alberta professionals such as oil and gas executives, small business owners, and physicians, as it provides income without reducing government retirement benefits.
Critical illness insurance pays a lump sum if you’re diagnosed with a serious condition like cancer or heart disease. This benefit helps cover out-of-pocket costs, experimental treatments, and time away from work.
Disability insurance replaces your income if you’re unable to work due to illness or injury. It’s especially important for self-employed Albertans or those in physically demanding jobs to ensure income stability during recovery.
Long-term care insurance helps cover the cost of assisted living, home care, or nursing facilities. As Alberta’s population ages, this type of insurance provides peace of mind and financial support for families planning future care.
Life insurance for children is a forward-thinking investment. It provides lifelong protection with very low premiums and can be used later in life for:
It also locks in insurability early, regardless of future health conditions.
Business owners can use life insurance as a powerful planning tool. It helps:
Business-owned life insurance also offers tax advantages and helps preserve the value of what you’ve built over time.
There are different ways to structure life insurance premiums in Alberta, allowing for greater flexibility based on your financial goals:
These structures support the financial diversity of Alberta residents, including those with variable income or fixed retirement timelines.
Ten O Eight takes a personal, strategy-first approach to life insurance in Alberta. We don’t just sell policies—we help you build financial protection that adapts to life’s changes. With access to Canada’s top insurers and deep knowledge of Alberta’s economic realities, we guide you through the decision-making process with transparency and care. Whether you’re protecting a family, growing a business, or planning your legacy, we’re here to build the right solution for you.
Take control of your future with Ten O Eight’s tailored life insurance solutions in Alberta. Contact us at Joey@tenoeight.ca or call +1 587-319-2701 for a free consultation. We’re ready to help you review your current policy or design a new plan that works for you.
Alberta residents can choose from term life, whole life, and universal life insurance, each offering different coverage lengths, investment features, and pricing.
Term life is great for young families, mortgage holders, and anyone needing affordable protection during high-responsibility years.
Yes. Many term policies offer conversion options without requiring a medical exam, giving you flexibility as your needs grow.
An IRP uses a permanent policy to build cash value that you can borrow against during retirement, creating a tax-smart income stream.
It provides immediate funds if you're diagnosed with a serious illness, helping cover treatment and recovery without financial stress.
It ensures steady income during illness or injury, making it essential for freelancers, tradespeople, and anyone without employer benefits.
It locks in low premiums for life and can be a smart way to build savings or future financial support for milestones like education or homeownership.
It helps cover tax liabilities, supports succession planning, and provides financial continuity during ownership transitions or key personnel loss.
Your age, health, lifestyle, policy type, and coverage amount all influence your premium, as well as your chosen payment structure.
We tailor solutions based on your lifestyle and goals, not cookie-cutter products. Our Alberta-based team ensures your policy fits both your present and your future.
It’s the perfect time to secure your short and long-term financial goals.
Mount Royal Block Suite 290, 815 - 17th Ave SW Calgary, AB T2T 0A1