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Frequently Asked Questions

  • Life insurance is a contract where a policyholder pays premiums to an insurance company in exchange for a lump sum payment (the death benefit) to beneficiaries upon the policyholder's death.

  • The main types of life insurance are term life insurance (coverage for a specific period) and permanent life insurance (coverage for the policyholder's lifetime). Permanent life insurance can be further divided into whole life and universal life insurance.

  • Buying life insurance when you're young typically results in lower premiums, as you're considered a lower risk to insurers. It also ensures coverage in case of unexpected health changes and allows you to build cash value for future financial needs.

  • Premiums are based on factors like age, health, lifestyle (e.g., smoking habits), occupation, and the type of policy. Younger and healthier individuals generally pay lower premiums.

  • Yes, but the premiums may be higher, or certain conditions may be excluded from coverage. Some insurers might offer simplified issue life insurance, which doesn’t require a medical exam but may have limitations.

  • Consider your financial goals, the needs of your family, your budget, and whether you need temporary or lifelong coverage. Consulting with a financial advisor or insurance agent can help tailor the best policy for your situation.

  • Term life insurance provides coverage for a specific period (10, 20, or 30 years), and it is usually more affordable. Permanent life insurance provides lifelong coverage and can build a cash value, but it tends to have higher premiums.

  • Many term life insurance policies offer a conversion option, allowing you to convert your policy to permanent life insurance. However, the cost of premiums for permanent insurance will be higher.

  • If you have permanent life insurance with a cash value (such as whole life or universal life), you can typically borrow against the cash value of the policy. However, any unpaid loans or interest will reduce the death benefit.

  • If you have debts or want to cover funeral expenses, life insurance can still be helpful to avoid leaving a financial burden on others. If you plan on having a family in the future, your premiums are secured from time of purchase and will be more affordable than purchasing a policy in the future.

At Good Shepherd, your peace of mind is our cardinal commitment. Our life insurance brokerage stands at the intersection of faith and personal security, deeply rooted in Christian values and devoted to empowering church parishes across our communities.

We view each policy not just as a contract, but as a covenant—a commitment to support families both spiritually and financially in their times of need. By choosing to collaborate with us, you are not only securing your loved ones’ futures but also contributing to the vitality of your parish. We seek to support the parishes of our clients, helping to further their mission and foster a sense of community.

Our sophisticated network of insurance providers offers a meticulous array of products, aligning with the principles of stewardship and generosity. We provide tailored solutions that honour your faith while ensuring robust protection for what matters most—your family and your community.

With a commitment to excellence and a service ethos that echoes the teachings of love and compassion, we are here to guide you in a manner that reflects the dignity and respect you deserve. Join us in this mission of faith-driven financial security, where your future is safeguarded in harmony with your values. Together, let us build a legacy of stewardship that not only protects but empowers.

Our Philosophy

Our Services

A life insurance brokerage is an intermediary that helps individuals find the best life insurance policies by working with multiple insurance providers. Brokers have access to a variety of insurance products and can compare different policies to identify the most suitable options based on a client's needs and budget. They obtain quotes by gathering information from multiple insurers and using their expertise to match clients with policies that offer the best value and coverage. The brokerage works for the client, not the insurance company, ensuring an unbiased selection of options.Throughout the process, the broker ensures that the client understands each step, answers any questions, and provides expert guidance to secure the best price and coverage available.

Our Process

Initial Consultation:

The client contacts Good Shepherd who will connect you with a broker. The broker gathers basic personal information, including age, health status, lifestyle, and financial goals.

Assessment of Needs:

The broker assesses the client's specific needs (such as the amount of coverage, term length, or type of policy) and financial situation to determine the best approach.

Quote Collection:

The broker reaches out to multiple insurance providers to gather quotes based on the client’s profile and preferences. We work with all major insurance providers, ensuring you get the best quote.

Review of Options:

The broker presents the client with a variety of options, explaining the differences in coverage, premiums, and terms from each provider.

Policy Selection:

After reviewing the options, the client will select the policy that best meets their needs.

Application Process:

The broker assists with the application process, helping the client complete necessary forms and ensuring all required documentation is submitted.

Medical Underwriting:

If the insurance provider requests any medical exams or additional steps needed for underwriting, the broker will inform the client and help them navigate the process.

Finalizing the Policy:

Once the insurer approves the application, the broker helps the client finalize the policy and ensures that it meets all of their needs before confirming the coverage.