Insurance
Life is full of many possibilities and finding financial security for you and your family is an important goal we all want to achieve. From a new career, to the birth of a child, illness, and/or providing financial comfort for your loved ones, there are many possibilities awaiting you in life. Insurance is the first step to move towards financial freedom and it also eliminates the financial risk, whether it is taken in the form of Life, Critical Illness, Disability, Health or Travel. Being insured can give you peace of mind now and in the years to come.
- Life Insurance
- Critical Illness Insurance
- Disability Insurance
- Health Insurance
- Long Term Care Insurance
- Visitor to Canada Insurance
- Super Visa Insurance for Parents and Grandparents visiting Canada
Life Insurance
Life insurance is one of the best solutions to provide financial security to your family in the event of any mishap occurs to the bread earner of the family. It provides future financial security to the family that enables them to repay the outstanding debts (such as mortgage, line of credit etc) up to maximum insured amount without any financial stress.
Based on your financial needs and commitments we will assist you to make an informed decision to select an insurance coverage. We deal with reputed insurance companies and have policies available that can cover life up to 100 years of age and fixed premiums. For your short-term needs we have the insurance policies with specified term coverage.
We offer personal expert services, analyze your financial situation and suggest the best insurance coverage at best premium rates. As a government licensed life insurance advisor we can suggest the right solution for you no matter what stage of life you are at.
Critical Illness Insurance
Illnesses such as cancer, heart attack or stroke and some other critical illnesses can have a major impact on any individual, family or business as the treatment cost is huge and is not fully covered by OHIP. Critical illness coverage provides a lump sum tax-free payment of cash to find the right treatment, to continue treatment and helps to protect the financial assets.
To reduce the financial stress, having a critical illness coverage is highly advisable benefits of which are really immeasurable. We can arrange for the insurance coverage even with some of the existing illnesses as well.
Disability Insurance
Chances of being disabled of any individual at some time during his/her working career are probably higher than he/she thinks. Disability insurance, often called disability income insurance secures monthly income in the event of an individual becoming disable to work. It insures the beneficiary's earned income against the risk associated with disability.
Although some employee benefits plans provide limited coverage, disability insurance coverage is a must for self employed individuals, small business owners, single income families and persons associated with high risk jobs such as truck/ taxi drivers.
Health Insurance
Ontario Provincial Health Insurance Plan (OHIP) covers only essential medical services but does not cover other health related services, such as prescription drugs, dental care, vision care, hearing aids, physiotherapy, chiropractic care etc. Some employee group benefit plans cover these services (partially or completely) but many employees are also not covered under employee group benefit plan and hence require coverage. Also, self employed individuals have no coverage for health related services and have to pay for them out of their pocket.
Health insurance is the best solution for self employed persons, employees (those not covered under employee group benefit plan or covered for limited medical services) and international students.
We can suggest you a health insurance policy which compliments provincial health plan or limited employee group benefit plan.
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Long Term Care Insurance
Anyone who reaches age 65, the likelihood of needing some form of long-term care support reaches very high. Provincial Health Insurance Canada plans provide only limited coverage for long-term care, so when anyone ever needs long-term care, the out-of-pocket expenses could easily take away thousands of dollars. Without proper planning, the cost of long-term care may quickly deplete savings, assets and retirement income.
So, plan now to have long-term care insurance and we can assist you in selecting an appropriate long-term care insurance.
Visitor to Canada Insurance
Certain group of persons (such as new immigrants, friends/relatives visiting Canada, returning Canadians, international students, work visa holders) require insurance coverage for health or medical emergency or accident.
Visitor to Canada insurance is the best solution for these kinds of situations because it takes care of medical related costs. We can arrange appropriate Visitor to Canada insurance for you.
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Super Visa Insurance for Parents and Grandparents visiting Canada
It is mandatory to purchase health insurance coverage of at least $100,000 for a period of at least one year for parents/ grandparents visiting Canada under Super Visa program.
We can arrange best super visa insurance policy suitable to your needs because we not only always recommend using the lowest cost provider but also we look at other important considerations such as: available deductible options, refund policy details, certain specific benefits/ exclusions offered, and/or coverage for stable pre-existing medical conditions.
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CONTACT US TODAY TO GET A FREE QUOTE - 905 997 3355
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