Insurance
Protection for all aspects of your life, ensuring you’re prepared for whatever comes your way
Insurance serves as a financial safety net that protects individuals and businesses from unforeseen risks. Beyond car and home insurance, there are several types of insurance that are necessary for different aspects of life and business. I am a licensed life insurance agent working for an insurance broker. Because we are brokers I can offer a wide range of products from many different companies. That not only ensures you get the best product to suit your needs but also that you get the best price. Life always has risk, insurance can help alleviate the burden for your loved ones and give you peace of mind.
Our most popular products and how they can benefit you are as follows:
Life Insurance
Life insurance secures the financial future of your loved ones in the event of your passing. It can help cover funeral costs, outstanding debts, and provide income replacement. Some policies even offer savings components, allowing you to build wealth while protecting your family’s well-being. They are split into final expense insurance and term or whole life insurance.
Protecting your home and family should anything happen to you
Final expense insurance
This is our most popular type of insurance. Ensuring your loved ones can afford a funeral and take care of your final expenses.
Coverage from $5,000 to $100,000. Intended to ease the burden of final expenses from your loved ones.
- Tax-free and probate-free payout
- Guaranteed insurability up to age 75
- No medical exam required
- Quick over the phone application
- Lowest rates available with economical monthly options
- Cover Burial, cremation, debts and bills
NEED SOMETHING MORE?
ARE YOU NEEDING TO COVER A MORTGAGE, OR PROVIDE INCOME REPLACEMENT?
Regular Life Insurance is split between Term Life and Whole Life Insurance. The cost of the policy is dependent not only on the value of the coverage but also the term. Generally the shorter the term, the cheaper the policy. Your situation and needs will determine the coverage and the term of the policy.
Term life insurance
Coverage to $1,000,000+. Provides coverage for a specified period of time—usually 10, 20 or 30 years. Term insurance only provides a death benefit if the insured dies during that specific period of time. Term insurance doesnot accumulate cash value. This type of insurance is usually in place to cover a mortgage or other debts should anything happen to you.
Read my article:
The Truth About Term Insurance in Canada: Why It’s Worth Considering
Whole Life Insurance
Coverage to $1000,000+. Is intended to provide protection for the life of the insured and typically offers a cash value component. Whole life insurance can be participating, where policyholders may receive dividends, or non-participating (Non-Par Whole Life insurance), where policyholders do not receive dividends, but premiums are generally lower. This type of insurance is usually in place to cover mortgages, debts and replace income if anything should happen to you. It also offers an accumulated cash value that can be used as a vehicle to supplement your retirement.
Read my guide:
The Truth About Permanent Life Insurance in Canada: A Comprehensive Guide
Benefits of our Life Insurance Policies
- No medical exam required for coverage up to $500,000 for healthy individuals up to 70 yrs old
- Needs analysis done to ensure all requirements are met
- Lowest rates available subject to health and lifestyle status
- Member benefits including scholarships, will preparation and more on policies of $10,000 or more
Riders available for all Life Insurance
- Accidental Death Benefit(minimum $10,000 policy) Lesser of 1 x coverage or $10,000 to a maximum of 5 x coverage to a maximum of $250,000. Available for ages 18-65
- Child Term Benefit $5,000 $10,000 or $15,000. Parent age 18-60
- Hospital Cash Benefit $25, $50 or $100/day. Available for ages 18-65
STILL HAVE QUESTIONS OR ARE NOT QUITE SURE WHAT YOU NEED?
To get more information on how life insurance coverage can benefit you, or for your no obligation quote, please fill out this form. I will contact you and answer all your questions.
ARE YOU LOOKING FOR INCOME REPLACEMENT IN CASE OF ILLNESS?
Critical Illness Coverage
Having the right critical illness coverage can make all the difference. Recovering from a major illness is hard on the body and on the mind. Money is the last thing you or your family should be worrying about. Our critical illness insurance may provide a lump-sum payment that can be used for any purpose such as helping to make up lost income. or paying for household expenses. You can even use it to cover costs associated with your recovery, such as medications, physiotherapy or experimental treatments.
I can offer you two critical illness insurance plans: Live Well and Live Well Plus.
Both plans are designed with affordability in mind. There is no annual policy fee. This can add up to significant savings over time.
Our critical illness insurance also comes with valuable built-in features for no additional premium including:
Non-Life-Threatening Illness Benefit:
Receive 15% of your benefit, up to $50,000, in the event of a non-life-threatening illness.
Return of Premium at Death:Premiums will be refunded if the insured dies without receiving a benefit.
Live Well
Coverage up to $100,000 Covers four conditions and offers a simple application process.
- Life-threatening cancer
- Coronary artery bypass surgery
- Heart attack
- Stroke
NEED MORE?
Live well plus
Coverage to $2,000,000. Covers 25 conditions
All Live Well covered conditions, plus conditions listed below:
- Aortic surgery
- Aplastic anemia
- Bacterial meningitis
- Benign brain tumour
- Blindness
- Coma
- Deafness
- Dementia, including Alzheimer’s disease
- Heart valve replacement or repair
- Kidney failure
- Loss of independent existence
- Loss of limbs
- Loss of speech
- Major organ failure on waiting list
- Major organ transplant
- Motor neuron disease
- Multiple sclerosis
- Occupational HIV infection
- Paralysis
- Parkinson’s disease
- Severe burns
DO YOU HAVE CHILDREN?
Coverage for your children
Allows you to focus on what matters in the event your child has a Critical Illness diagnosis. Parents are paid a lump sum benefit that they can use for whatever they need including medical expenses and loss of income.
Children360 - Critical Illness and Life Insurance for Children
Available Amounts: $10,000 to $50,000 for children from 30 days to age 15
- Choice of either just critical illness or critical illness or life insurance payable on 1st event
- Single premium, regardless of age or gender
- Online application with just 15 eligibility questions
- Instant issue
- No medical exam
- Return of premium that does not terminate the policy when the client collects
Additional Options Available
1 Additional Life Insurance This gives you the opportunity to purchase additional life insurance for an amount equal to the “Critical Illness of Life” benefit.
2 Premium Refund Benefit 15-Year Premium Refund Benefit Premium Refund + Benefit at Age 75. This provides coverage for your child to age 75 with premium refunds at year 15(75%), year 30(75%) and at 75 years old. Ask for details.
3 Option Plus : Watch over your child with peace of mind with these 4 benefits
Compassionate Leave BenefitStay by your child’s side with a monthly compassionate leavebenefit of $1,500(max. 12 months).
Accident BenefitBenefits to help with the unexpected costs of everyday injuries.
Hospitalization Benefit
Receive an allowance of $200 per day of hospitalization.
Out-of-Canada Medical CoverageSeek treatment from the best specialists with up to 25% of the sum insured.
Critical Illnesses Covered
When your child is diagnosed with any one of the covered critical illnesses, the Insurer will pay the Critical Illness benefit less any partial critical illness benefits that have already been paid.
1. Autism2. Cerebral Palsy3. Congenital Heart Disease4. Covered heart conditions if open heart surgery is performed5. Cystic Fibrosis6. Muscular Dystrophy7. Type 1 Diabetes Mellitus
8. Acquired Brain Injury9. Aortic Surgery10. Aplastic Anemia11. Bacterial Meningitis12. Benign Brain Tumour13. Blindness14. Cancer (Life-Threatening)15. Coma16. Coronary Artery Bypass Surgery17. Deafness
18. Dementia, including Alzheimer’s Disease19. Heart Attack20. Heart Valve Replacement or Repair21. Kidney Failure22. Loss of Independent Existence
23. Loss of Limbs24. Loss of Speech
25. Major Organ Failure on Waiting List26. Major Organ Transplant27. Motor Neuron Disease28. Multiple Sclerosis29. Occupational HIV Infection30. Paralysis31. Parkinson’s Disease and Specified Atypical Parkinsonian Disorders32 . Severe Burns33 . Stroke (Cerebrovascular Accident)
STARTING AT ONLY $10 PER MONTH
Pricing is all here:
Choose either
a. Critical Illness only
or
b. Critical Illness or life(this is either/or whichever happens
first)
or
c. Critical Illness with
additional Life (this is
both. You get paid for
the illness and still have
life insurance as well.
Monthly Premiums
for all children under 16 | $10,000
Sum Insured
per month | $25,000
Sum Insured
per month | $50,000
Sum Insured
per month |
a. Critical Illness coverage only | $10 | $16 | $26 |
OR | |||
b. Critical Illness coverage or Life Insurance(Payable at 1st event) | $11 | $20 | $33 |
Or with | |||
c. Additional Life Insurance | $13 | $25 | $43 |
Add ons | |||
Option Plus | +$10 per month | +$10 per month | +$10 per month |
Return of Premium | Maximum $23 per month | Maximum $35 per month | Maximum $53 per month |
STILL HAVE QUESTIONS OR ARE NOT QUITE SURE WHAT YOU NEED?
To get more information on how our critical illness coverage for you and your children can benefit you, please fill out this form. I will contact you and answer all your questions.
