Just my 2¢ for this thread:
Meloche Monnex is cheap, but they require you to be a professional to get their rates. Don't exagerate and tell them something that you are not.
I've only had to use insurnace a couple of times, but I also now look at the service. When your life has been turned upside down by something serious happening, the last thing you want is your life on hold because you wanted to save $5 per month.
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