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Benefits of Using an Advisor

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Province: Alberta British Columbia Manitoba New Brunswick Nova Scotia Newfoundland Northwest Territories Nunavut Ontario Prince Edward Island Quebec Saskatchewan Yukon
Gender MaleFemale	Smoker / Tobacco YesNo
Health Class Preferred Plus Preferred Regular Plus Regular
Date of Birth January February March April May June July August September October November December 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903 1902 1901 1900
Type of Insurance: 5 year level term 10 year level term 15 year level term 20 year level term 25 year level term 30 year level term 35 year level term 40 year level term Level term to age 65 Level term to age 70 Level term to age 75 Other Term 10 20 30 Year Term All Level Term Product Categories Whole Life Guaranteed Life Pay Whole Life Guaranteed Pay to 65 Whole Life Guaranteed 20 Pay Whole Life Guaranteed 15 Pay Whole Life Guaranteed 10 Pay U/L T100 - Minimum Premium U/L T100 - Minimum Premium - 20 Pay U/L-T100 - Minimum Premium - 15 Pay U/L-T100 - Minimum Premium - 10 Pay Term to 100 Guaranteed Life Pay
Face Amount 50,000 75,000 100,000 150,000 200,000 250,000 300,000 350,000 400,000 500,000 600,000 700,000 750,000 800,000 900,000 1,000,000 1,250,000 1,500,000 1,750,000 2,000,000 2,500,000 3,000,000 5,000,000
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To find out more about your rates, please contact TEN STAR at 1-877-836-7827

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TEN STAR is a Managing General Life Insurance Agency (MGA) for life insurance company products. The TEN STAR group of companies is able to provide a "holistic approach to your financial needs."

• First manage risk: Transfer catastrophic losses to insurance companies.
• Second: Reduce your mortgage as the interest is paid with "after-tax dollars" and save for your retirement. Also, provide educational savings funds for children.
• Third: Reserve your estate or business for your children.

The Value of Seeking Advice

No matter what your goals, time horizon, or tolerance for risk, your financial advisor has the professional expertise and insight necessary to help you map out an investment strategy to meet your financial objectives. As your needs change over time, your advisor will be with you every step of the way, monitoring your investments and guiding you through new opportunities. And in times of volatility and uncertainty in the market, you'll get the support you need to maintain your long-term perspective and keep your investment plan on the right track.

It is your financial advisor's job to gain a thorough understanding of your short- and long-term financial goals, and to develop the appropriate investment strategies. To do so, he or she will work with you to define your risk tolerance, financial needs, and time horizon for investing.

Based on your needs, your financial advisor can help you design a well-diversified asset allocation strategy that may include company retirement plans, personal retirement accounts, mutual funds. Your financial advisor can help you select appropriate investment vehicles from the thousands of choices available to you

• Low cost competitive term life insurance protects your family before you have accumulated an estate.
• Low cost term-to-100 life insurance preserves your estate.
• You work hard to build your estate - why give it to the TAXMAN?