If you are one of the millions of people who currently have no life insurance coverage, but have considered it in the past or are currently shopping for a policy, WFG Canada and its independent associates can help.

A couple of the most common questions people ask about life insurance are: What kind of coverage should I get, and how much coverage do I need? WFG Canada can answer these questions for you. The company’s associates work with everyday Canadians to help them find the ideal life insurance coverage for their needs. Life insurance provides a safety net for everything you have built up for you and your family. It also provides peace of mind, knowing that your loved ones’ financial needs will be taken care of following your death.

There are two main life insurance policy categories: permanent life insurance and term life insurance. The former covers you for your whole lifespan and features both a death benefit and an investment component. The latter, on the other hand, provides coverage for a designated amount of time, or term, and pays a set amount if you die during the coverage period.

There are numerous factors to take into consideration when trying to figure out how much coverage you are going to need. How much income you earn, how big your family is and how much you owe on your mortgage are just a few questions that come into play. The following are general industry guidelines you can use as part of your process:

• Multiply your current salary by 7 to 10. Also factor in whether your spouse works. If, in the event of an untimely death, he or she would have to find a job, childcare costs might need to be added to the equation.

• Calculate your salary all the way through to your expected retirement age. Also add in expected cost-of-living raises to your salary. The total number can be an accurate gauge for how much coverage you might consider purchasing.

• Undertake a needs analysis, adding together both short-term needs and long-terms goals and then subtracting your resources. (This option is best accomplished with the help of a professional with expertise in calculating your finances.)

After doing your calculations, the number you arrive at might be much higher than you expected. It’s important to remember that WFG Canada has numerous life insurance policy options available to fit a wide range of budgets and goals.

Some companies may encourage employees to make sacrifices in their personal lives, but WFG Canada has the opposite philosophy. This insurance and financial services company is dedicated to putting families first, including the families who run WFG businesses together. One of these successful World Financial Group partnerships is that of Liz and Rudy Zetazate, who have found that running a business together has brought them and their family closer.

It wasn’t always smooth sailing for this WFG Canada power couple. In fact, when Liz first moved to Canada in 1989 to give herself and her children a better life, leaving behind a career as a midwife, she was only earning $16,000 as a home health aide. She learned about the business opportunities in the insurance and financial services industry when she decided to set aside some of her meager earnings as a nest egg for her three boys. She thought she would love to help provide the same opportunity for other families, but she was brushed aside when she asked the insurance representative who sold her the policy if his company was hiring. So, she circumvented him and went to his manager after getting the company’s contact information from her policy documents. The manager offered her three months to “prove herself.”

Liz was eager to do just that, and after studying for and passing her licensing exams, she made a name for herself in no time. Within a year, she had been promoted to manager and was making three times as much income as before. While she didn’t ultimately stay with this company, it may have been fate that she got her start there, because she was introduced to Rudy as a result of this job. They met at a wedding of one of her coworkers. He was very interested in talking with her, but at first, they only talked about financial issues. He scheduled an appointment with Liz to discuss his financial concerns as a single dad trying to provide for his son, working seven days a week in a local factory’s shipping and receiving department. But before long, their relationship went beyond just the professional level.

The Zetazates eventually got married, and after Liz heard about the opportunities with WFG Canada from a friend, they also decided to start a new business together. It has allowed them to spend more time with each other and their family, while letting them help other families build stronger financial futures.

Dave Limpert is now a successful WFG Canada business owner with a ranch property outside of Calgary that he shares with his wife and family. He has returned to the land, which is where he came from. When he left his family farm in rural Alberta 20 years ago, it was to find work in Calgary to save his mother and siblings from financial ruin and the loss of the farm. But during that time, all he wanted was to be back in the fresh air and open space of the countryside. It took a long time and a great deal of hard work, but he has managed to make his dreams come true, largely because of the opportunities he found with World Financial Group.

Dave’s journey to career success started shortly after a very low point in his life: His father passed away in 1981. After that, the high school senior and his oldest brother, Darcy, were left in charge of many of the responsibilities of running the family farm that their grandfather had homesteaded in the 1800s. Unfortunately, the children and their mother didn’t really know anything about finances, and it wasn’t long before they were in a very precarious situation. They were about to lose the family farm. When this became clear, Dave and his brother Darcy flipped a coin to decide who would stay at the farm with the rest of the family. It was decided that Dave would be the one to go into the big city of Calgary to search for work and hopefully save the farm from certain doom.

When he first arrived in Calgary, he was scared, but knew he had to accomplish his goals for the sake of the farm, his mother and his siblings. He wanted them to have a better life, and he knew the farmhouse needed major renovations; it didn’t even have insulation. He first tried his hand as a heavy equipment operator, since he had a good knowledge of farm vehicles. This job allowed him to send money back home, but he didn’t feel that it was his calling. He had also been working with a local firm to get his finances in order, which is when he met current WFG Canada Executives Carl and Norm Meldrum. They joined forces and built their own successful business helping individuals and families make their financial dreams come true.

And now that he has a ranch property of his own, Dave Limpert feels that he is a true success.