INDIVIDUAL INSURANCE

Protect what is important!
Life insurance is essential to all good planning-whether it be to protect your family against a sudden loss of income,
to protect your estate, your spouse and children or your business.
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Did you know that when you buy life insurance with an insurance broker,
they will shop the market for you, just like when you buy car insurance with a broker?

Let our knowledgable broker work with you.

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WHAT’S COVERED

A typical  life insurance policy will help cover funeral expenses, children's educational future, mortgage payments, daily and monthly bills.  It will create an immediate cash flow for your loved one’s to be able to pay immediate debts and to maintain lifestyle, especially if you have kids.

TERM OR PERMANENT INSURANCE...HOW TO CHOOSE?

Term Life Insurance is the most common type of insurance. Having a term life policy covers you for a certain number of years, as opposed to a permanent policy. It's especially important to have a policy that provides the right level of coverage for your family. Term Insurance is also widely used for creditor insurance, for a loan or a line of credit.  Term coverage will offer guarantees for 10, 15, 20, 25 & 30 years.


Permanent Life Insurance
is  a great option for people that want to guarantee their coverage for the rest of their life, either for last expenses or to leave a legacy. You can choose the coverage that will allow you to meet your future needs. You have options to finish paying your coverage in 10 years, 20 years or pay until you are 100.

WHAT ARE MY BEST OPTIONS?

That question will have different answers.  It all depends on your personal situation, your present coverage and your medical history. We suggest that you talk to an Insurance Specialist, as they will ask you a few key questions to offer advice and recommendations.
Let's get started!

Yes! We do offer all those coverage; including our personalized touch.

HEALTH INSURANCE
Focus on what’s important. The time to apply for a health plan is when you’re healthy.

Too often, Canadians start receiving medical news and discover they can’t get health coverage after they become ill. Furthermore, Government Health Plans don’t cover the cost of all medications or treatments outside of the hospital. You could be left with the burden of paying thousands of dollars in medical bills when you should be free to concentrate on getting well. It doesn’t have to be this way.

If you apply now when you’re healthy, it’s easier to be approved. Once you’ve chosen a personal health plan, you and your family
are covered for the unexpected as well as for day-to-day health care expenses.

Simple & Easy to get Health and Dental Insurance.  Speak with an Health Insurance Specialist!
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CRITICAL ILLNESS INSURANCE

We all know someone who has suffered and survived a heart attack, stroke or heart surgery. The need for accessible and affordable 
Critical Illness I
nsurance is real. However, medical questionnaires can be daunting.  A simple, truly affordable plan
which requires only a statement of good health.  

No medical exam for critical illness insurance plan is the solution for many of our clients.
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CANCER INSURANCE
The cancer insurance that gives you peace of mind.

Cancer can strike anytime. It can affect anyone, whether young or old, male, female or child, and regardless of their social or medical condition. Although you cannot escape that reality, you can limit the financial consequences for your family.

With a cancer insurance policy, you can meet your obligations head on and focus on your recovery without having to worry
about the financial consequences of illness. Guaranteed issue cancer insurance product can cover you for up to $100,000
in the event of a cancer diagnosis.

No medical exam is required. For as little as $ 9.04/ month, you can be covered!  Learn more.
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DISABILITY INSURANCE

No matter how you spend your day, you never plan on having an accident.
Too often, Canadians receive startling medical news and discover they can’t get health coverage after they become ill.
Furthermore, government health plans don’t cover the cost of all medications or treatments outside of the hospital.

You could be left with the burden of paying thousands of dollars in medical bills when you should be free to concentrate on
getting well. But it doesn’t have to be this way. If you apply now when you’re healthy it’s easier to be approved.

Once you’ve chosen a personal health plan, you and your family are covered for the unexpected as well as for
day-to-day health care expenses. 

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NO MEDICAL LIFE INSURANCE
Immediate Coverage that’s easy to understand and easy to apply!

Easy to apply for Life insurance coverage.  All you have to do is answer "no" to simple health-related questions and
you’re eligible for coverage.  Your choice from either $1,000 up to $50,000 of coverage.

Premiums will never increase, your coverage will never decrease - even if your health changes, and you can keep this
valuable protection forever.  

No Medical Exam Required.  Rates as low as....$ 9.00/month. Learn more.

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MORTGAGE INSURANCE

Why get Mortgage Insurance from your lender, to protect them!
The right insurance plan can protect your home when you no longer can. Many homeowners are protected through mortgage loan
insurance policies provided by their lender. These policies don’t protect your family in the event that something happens to you -
they protect your lender.

We offer Mortgage Life Insurance with more value, better protection and at a lower rate as compared to your lender. 

Learn more about what your bank might of forget to tell you about their insurance.
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TRAVEL INSURANCE

Travelling Soon? Expecting Visitors? – Protect yourself. Protect your guests. 
No one expects to have a Medical Emergency away from home, or to have to cancel a trip due to an emergency.
But these events happen and they can be disruptive and expensive.

Travel Insurance for Canadians travelling out-of-province helps protect you against the cost of unexpected emergencies that may
occur during your trip – These are only marginally covered by your provincial health insurance plan.

We specialized in "Pre-Existing Medical Conditions".  We have a team on in-house specialists ready to assist you in finding
comprehensive coverage at the best price.

Simple & Easy to get Travel Insurance!  Get your free quote.
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WHAT’S NEXT?

Reviewing your Insurance needs is a straightforward process that can have a significant impact on yours and your family’s future. Looking to take advantage of a insurance review, to look at your options or just a second option, we have a team in place to help you.

FRIENDLY TIP

You should always review your Financial Plan every time a major event happens in your life. Like getting married, having a baby, buying a new house, getting a new job...just to name a few.

The earlier you purchase Insurance, the lower your rates will be over time.  
You would be surprised that insurance coverage can cost as low as 50 cents a day!  

Thinking about insurance

Insurance policies come in varying shapes and sizes. To figure out which type of policy will suit you best, how much coverage is enough, you might want to meet with an licensed agent, to help you by preparing a Financial Plan.

Getting a insurance quote

Find out quickly your options and get multiple quotes in a matter of minutes, with our insurance providers comparison products and premiums.

FiLling AN insurance claim

This can be an overwhelming process, we have a team in place that can help you with an insurance claim, we will help you navigate to expedite the process.  

Buying insurance

Learn what you need to know about buying insurance, by dealing with a broker they will be able to explain what most companies require to apply for coverage.

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