What is life insurance?

Life insurance provides financial security to your loved ones upon your death. At an already challenging time, life insurance can be the difference between your loved ones making huge sacrifices for life or having the financial support to move forward

Who needs life insurance?

Life insurance is critical if you have loved ones that rely on you for financial support. You may even need life insurance if you expect that to happen in the future!

How much life insurance do I need?

The amount of life insurance that you need will depend on your own personal circumstances. Check out our life insurance calculator or contact our team of licensed professionals to find the right level of coverage for you.

What is the difference between mortgage insurance and term life insurance?

Although mortgage insurance is quite common, there are a number of downfalls when compared to term life insurance. It is common for clients to save money, have more flexibility in coverage and lock in rates for longer when they switch to term life insurance. With mortgage insurance, your coverage will also decrease over time as you pay down your mortgage and yet your premiums may stay the same or increase. Getting a term life insurance quote is the best thing you can do for you and your family.

What are the different types of life insurance?

The main types of life insurance coverages are term life insurance and permanent life insurance. Term policies will cover you for a set period of time (i.e. 10, 20, 30 years), while permanent (whole life) policies will provide you with coverage for your entire lifetime.

Call: 289 606-0103

St. Catharines Insurance

Looking for Life Insurance? Hometown Life Insurance is proud to serve the city of St. Catharines and surrounding areas.

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Life Insurance Facts
St. Catharines

Average Age 44.1

Average Life Expectancy 81.5

Population 133,113

Average Household Income $75,125

Average Household Size 2.3

Average Housing Price $619,800

Data sourced from Stats Can and CREA.

Why Life Insurance Is Important In St. Catharines

St. Catharines is the largest city in the Niagara region with a population of over 130,000. Located along the southern shores of Lake Ontario, St. Catharines is home to Brock University, the Meridian Centre, and the FirstOntario Performing Arts Centre.

With continued development and ample entertainment, St. Catharines has seen it’s population and housing prices rise as prices in the Greater Toronto Area (GTA) also climb. As the values of homes increase, residents of St. Catharines have realized the importance of securing life insurance to protect their interests.

With the average home price now around $619,800, it’s become even more critical to ensure your family isn’t left with the financial burden of the mortgage.

St. Catharines is conveniently located with easy access to the surrounding areas of Niagara Falls, Hamilton, Burlington and Toronto, making this one of the best places to live in the entire region.

Helping make life insurance less complicated.

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What Some of Our Amazing Hometown Life Family Has To Say

    
 
 
        
   Dan Southwell 
 2021-12-08
 
 
  Buying life insurance can be a frustrating and confusing process. With so many options out there and so little background knowledge in the area I found myself not knowing where to start. Thankfully I was recommended to Austin at Hometown Life Insurance who made the entire process super simple! He was very thorough explaining what options were available and made sure I found a solution that was right for me.  I would highly recommend him to anyone who is looking for a professional hassle free experience!
  
 
       
   Tyler Davis 
 2021-11-30
 
 
  This was my first time applying for life insurance. Austin at hometown life was very professional and was able to explain/teach me all the little details I didn’t understand. I was surprised how easy the process was and the great deal they were able to find. I would highly recommend Austin and hometown life to anyone that is looking for life insurance.
  
 
       
   Taylor Tyminski 
 2021-11-23
 
 
  Highly professional and knowledgeable but also offer excellent customer service. Would definitely recommend Hometown Life Insurance for anyone who is interested in getting a better rate or learning more about life insurance in general and see if its the right product for them. Couldn't be happier with my experience!
  
 
       
   Meghan MacPherson 
 2021-10-23
 
 
  Austin was knowledgeable, timely, and helpful, and provided me with a great rate and recommendation for life insurance coverage to suit my needs. Working with Hometown Life was a great experience, and I’d highly recommend!
  
 
       
   Taylor Sider 
 2021-10-19
 
 
  I wasn’t sure what to expect since I’ve never had life insurance before, but the process was quick and easy. I was able to do everything over the phone and it didn’t take nearly as long as I had heard from other people.
  
 
       
   Delasi Tay 
 2021-10-19
 
 
  Austin was able to find me a rate for life insurance that was much better than what I was quoted elsewhere. He was very responsive and helped through each step along the way.
  
 
       
   Madeline Mashinter 
 2021-10-17
 
 
  I would highly recommend Hometown Life Insurance. Working with Austin was super simple and efficient. He helped us with our Term Life Insurance and made each step of the process very comprehensive.
  
 
       
   Josh Mashinter 
 2021-10-16
 
 
  My wife and I have both dealt with Austin from Hometown Life and found him to very Professional and easy to work with. He found us a great price and we would highly recommend contacting Hometown Life for a quote!

4 Tips for Life Insurance in
St. Catharines

With the average house value around $619,800, when protecting your mortgage, make sure you get mortgage life insurance from an insurance broker, not mortgage insurance through the bank.
Life insurance isn’t just for homeowners, the average St. Catharines household income is $75,125 – it should be protected too!

The average age of a resident of St. Catharines is 6. They could get $500,000 of life insurance for just over $1/day!
Raising a child to the age of 18 has been estimated at over $250,000. The average family with children has about 2, making it an important part of your life insurance planning!

St. Catharines Term
Life Insurance

St. Catharines Permanent
Life Insurance

St. Catharines
Critical Illness

St. Catharines
Disability

St. CatharinesGet In Touch

Give us a call or simply send us an email anytime you want. If you have any questions, please feel free to contact us.

Call Us

289 606 0103

Email Us

[email protected]

St. Catharines

Hours Of Operation

Monday 8:00pm to 5:00pm

Tuesday 8:00pm to 5:00pm

Wednesday 8:00pm to 5:00pm

Thursday 8:00pm to 5:00pm

Friday 8:00pm to 5:00pm

Request a Call Back

If you’d like to talk to one of our Insurance Professionals, contact us via the form and we’ll get back to you shortly.

Why go with Hometown Life Insurance?

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Simplified Process

Quickly and easily find what you are looking for; get a quote and apply online in just minutes!

Team Of Experts

Our team of knowledgeable and experienced professionals is ready to assist.

Get The Right Protection

We offer a wide range of personal and business insurance solutions to fit your unique needs.

Hometown Life makes insurance simple. Our knowledgeable team of fully licensed professionals embraces modern and digital platforms to find the right protection for valued clients. Experience the “Hometown Difference” for yourself!