Why should I get life insurance?

Financial experts everywhere agree that every adult should be covered by life insurance. Having life insurance ensures that your loved ones will have a way to cover funeral expenses and be cared for when you pass. There are several major life events that give valid reasons to speak with a life insurance agent today to get coverage including but not limited to:

For most homeowners, their mortgage is the single largest source of personal debt and financial obligation.

Mortgage protection insurance is a life insurance policy designed to pay off that debt in the event of your death.

Lost your Group Medical Benefit coverage due to retirement or career change?

We can assist you in obtaining continuing benefit coverage without medical questioners or medical exclusions for pre-existing conditions. Such coverage must be obtained within 60 days of losing group benefits coverage.

No one expects to have a medical emergency while travelling. But it can happen. Travel Insurance for Canadians travelling out-of-province protects against costs associated with unexpected medical emergencies that may occur during your trip – costs that might only be marginally covered by your provincial health insurance plan.

Expecting visitors or know someone on a Super Visa to Canada?

Do your guests have emergency medical insurance while they’re here? Travel Insurance for Visitors to Canada can be purchased prior to their departure from their home or when they first arrive. One week stay of an international visitor at a Canadian Hospital may costs upwards of $100,000. Obtaining proper coverage for your visiting friends or family members may protect you from a financial disaster.

If you have parents or grand-parents planning to visit on a Super Visa, they must provide evidence of Canadian medical insurance for a minimum of $100,000 coverage for 365 days when they apply for their Super Visa.

Whether you’re traveling or someone is traveling to see you, you’ll want to plan in advance. Don’t forget to obtain a proper insurance coverage for them.

Call to arrange coverage today at (905) 819-5342

Travelling Canadians can choose from the following options:

• Single-Trip Plan: Provides coverage for one trip for the number of days purchased. No age limit but the you will have to answer medical questions if you are over the age of 55.
• Quick Trip Plan: Provides coverage for one trip of less than 18 days for those 55-74 years of age. There are no eligibility questions for this option.
• Multi-Trip Plan: Provides coverage for an unlimited number of trips during the policy year for the number of days purchased. Options of 4, 10, 18 and 30 day plans. No age limit.
• All-Inclusive Plan: Provides several benefits all in one plan. It covers Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Delay & Damage, Flight Accident and Travel Accident.
• Travel Canada Plan: Provides Emergency Medical Insurance if all travel is within Canada at 50% off the regular Single-Trip Emergency Medical Plan rates.
• Trip Cancellation/Interruption Plan: May be purchased as part of an All-Inclusive Plan or separately. If purchasing separately, must be purchased within 8 days of booking your travel plans.

Emergency Medical Insurance for Visitors to Canada is ideal for:

• Visitors to Canada
• Canadians who are not eligible for benefits under a government insurance plan
• Persons who are in Canada on a work visa
• New immigrants who are awaiting government health insurance plan coverage

Student Travel Insurance offers:

• Up to $1 million for emergency medical and non-medical coverage for covered risks
• Available to Canadian students studying abroad or out of province and International students studying within Canada.

As an experience independent insurance agent I can provide you with a no obligation, no free quote from top insurance providers. If interested please reach out at mswealth@outlook.com or (905) 819-5342.

No one plans to get sick, but when something unexpected happens, you can help yourself and your family by being financially prepared. Critical illness insurance provides for a lump-sum payment after a diagnosis of the critical illness listed in the insurance contract. Depending on the policy options selected, coverage is available for up to two dozen conditions or cover just the main illnesses: stroke, heart attack and life-threatening cancer.

There are two main plan options for critical illness policies: Term Coverage or Permanent Coverage. Additional policy options available are guarantee renewals, return of premiums at maturity or death benefit payout.

If you are a concerned parent and wish to obtain policy for your children with shortened payment periods but life time protection then as Children Critical Illness was created for you.

Business Critical Illness plans options are also available. Such plans provide some unique advantages for you and your business tax situation. Call me to discuss in more detail.

If you have not experienced anything like that yet, critical illness insurance is still beneficial to you. Why? The statistics don’t lie. A study published in 2010 by the American Association for Critical Illness Insurance estimates that a 25-year-old non-smoking man has over a 20 percent chance of enduring a critical illness before age 65 and that a woman in the same position faces over a 10 percent chance of the same occurrence. 

Critical illnesses and conditions covered under enhanced plan options:

Contact me to discuss these coverage options in more details

As an experience insurance agent, I will aggressively shop all of the insurance companies to find you the most competitive rate for the best insurance plan available. Don’t hesitate to give call me today at (905) 819-5342 or reach out to me thru email.