Applications for life and car
insurance are increasingly being considered on an individual basis.
Contacting various agencies before submitting an application and asking
for information regarding policies and costs are very useful in finding
an appropriate provider. By investigating the options first, you will be
able to compare what various companies offer. An insurance agent who
deals with more than one company may be helpful. If your application is
rejected, don't assume it will be by a different insurer.
Some employers offer long-term disability insurance.
In Alberta, the Alberta Government provides the Alberta Health Care Insurance Plan (AHCIP) to provide Albertans universal access to medically necessary health care services. See more here. Alberta Blue Cross Non-Group Health Insurance is offered by the provincial government to provide supplementary health benefit plans, at low and subsidized rates, covering prescription drugs. See more here.