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 Cheapest Life Insurance USA

Royal Sun Alliance - Life Insurance

Who Royal Sun Alliance Are

Royal & Sun Alliance Insurance Company of Canada
Royal & Sun Alliance Life Insurance Company of Canada

Royal & SunAlliance Canada and Royal & SunAlliance Financial are part of the Royal & SunAlliance Group plc. Dating back to 1710, the Group provides a comprehensive range of insurance and financial services to customers worldwide.

Royal Sun Alliance History

Royal Sun Alliance far-reaching history combines the stories of two highly reputable companies.
  • London, England, in 1710: Sun Alliance roots go back to the Sun Fire Office.
  • Liverpool, England, in 1845: Royal Insurance is established by a group of merchants and citizens.
  • Montreal and Quebec City, 1851: Royal Insurance agencies opened in Canada.
  • Canada, 1892: Canadian Sun Alliance office is established.
  • Between 1959 and 1981: The Sun, the London, the Phoenix and the Alliance merged to create the Sun Alliance Group plc.
  • 1960: Royal acquired London and Lancashire Insurance Group.
  • 1961: Royal acquired Western British America Group.
  • Canada, 1990: Bob Gunn appointed President and Chief Executive Officer of Royal Insurance.
  • 1991: Clive Smith appointed President & C.E.O. of Royal & SunAlliance Financial.
  • 1994: Sun Alliance Insurance Company's Canadian property & casualty operation purchased by Royal.
  • July 19, 1996: Royal Insurance and Sun Alliance merged operations worldwide, to become Royal & Sun Alliance Insurance Group plc.
  • 1997: Royal acquired The Johnson Corporation/Unifund Assurance Company, the Canadian Personal Lines business of Hartford Insurance Company of Canada and Hartford Fire Insurance Company, and a majority of shares of Coast Underwriters Limited.
  • 1997: Royal & SunAlliance Financial acquired the block of individual life business of Gerling Global Life Insurance Company of Canada.
  • 1998: Bob Gunn appointed Group Director, Americas, overseeing the Group's operations for Canada, the U.S., South America and the Caribbean.
  • 1998: Linda Matthews appointed Chief Operating Officer.
  • 1999: Agilon Financial Inc. incorporated to provide one-stop shopping of P&C and life products under one roof.
  • 2000: Larry Simmons appointed President & C.O.O., with Bob Gunn maintaining his position as C.E.O. of the Canadian operation, and Group Director of Americas Region for the global Company.
  • 2001: Royal & SunAlliance Canada's affiliate, Western Assurance Company, acquired the personal insurance operations of Kemper Canada, with Royal & SunAlliance Canada purchasing certain commercial insurance operations of Kemper Canada.

What is Life Insurance?

Life insurance is a unilateral contract entered into by you and your life insurance company. You agree to make regular payments, the premiums, for a policy of life insurance, and your life insurance company agrees to pay a person you appoint, the beneficiary, a benefit if you should die while the policy is in force.

There are two main types of coverage provided by life insurance companies.

Term insurance provides pure death benefit protection. You pay premiums solely for meeting the need of coverage. If the policy is terminated, it has no value.

Permanent insurance offers non-forfeiture or cash values. The premiums you pay cover the cost of insurance with a portion going to a tax-sheltered savings component called cash value. If the policy is terminated, you do not forfeit the cash value.

Royal Sun Alliance Term and permanent insurance policies

Term life insurance is coverage taken for a defined period of time. The most common defined periods are 10 and 20-year terms. Evidence of insurability is required to qualify, yet at the end of each term, you can renew the life insurance without answering any medical questions or taking a medical examination. In addition, the premiums you pay will stay the same during the term. On each renewal date, your term life insurance will automatically renew for the same term using applicable renewal rates. In other words, your cost of insurance is guaranteed for the term.

Permanent life insurance gives you coverage throughout your life provided that premiums are fully paid to date. Permanent coverage plans can offer you an investment portion called cash value. The cash value can be used to fund your insurance costs or as a savings component. Permanent plans also offer you the ability to have insurance costs remain the same throughout your lifetime.

Do you need life insurance?

Everybody has different financial needs depending upon their life stage and life decisions. People purchase life insurance for a variety of different reasons. Many purchase life insurance to ensure that their unexpected death does not bring financial hardship to loved ones. In fact, life insurance can help meet several different needs. These include:

  • Mortgage payments
  • Loan payments
  • Taxes payable upon death
  • General living expenses
  • Funding your retirement
  • Protecting a business
  • Funeral arrangements
  • Charitable donation

Certainly the best way to determine if you may need protection is to consult you Life Insurance Representative. Your representative will conduct a thorough Needs Analysis with you. A thorough Needs Analysis will evaluate your financial situation, your life stage, your investment objectives and future goals to determine whether you need coverage and how much coverage you may require.

Royal & SunAlliance Financial recommend you contact your Life Insurance Representative to conduct your own Needs Analysis. It's a straightforward process and will answer many questions you may have about your financial security the security of your loved ones. If you do not have a representative working for you, use the Agent Locations search on the Royal Sun Alliance web site to access a list of qualified individuals in your area.




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