Canada Life Insurance?

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there 2 types of life insurances. life insurance policy buy on mortgage or car loan pay off if die. ones banks got in trouble lots of loopholes , non-payouts when after death companies strat looking "pre-exitsing conditions" avoid payouts.

life insurance seperate stand alone policy doesnt have same issue. once insured , accepted cant go , "pre-existing condition". life insurances companies have payout records have choose between "term" , "saving type insurances". term insurance cheaper , never gains value , pays if die... no residuals. there clause prevents payout in first 2 years if suicide.
there plans give basic insurance , of monthly premium goes savings type account after 20 years policy has "cash value". more expensive , why give insurance company money save? term type people get,.

canada life, london life, wawanesa.. have policies best go insurance broker can shop policy around companies best rate age , lifestyle. brokers dont cost more paid companies why not use them?

hi, thinking of getting life insurance in ontario. can please recommend me agency or broker life insurance? told not banks. other ones?


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