Insurances
Family, the biggest asset
protect what values the most
Life Insurance
To provide the loved ones, so that they will have peace of mind as they are protected from financial hardship when they need the most. The proceeds of a life insurance policy have multiple purposes:
- Investment (additional income stream)
- Estate and legal fees
- Final income taxes
- Final expenses (funeral, family reunion)
- Legacy and/or Charity
- Replacement of lost income
Accident, Disability and C.I.
Critical illness or Disability insurance protects against your most valuable asset: the capacity of earning money. If you are protected you don’t need to reduce your life expenses.
Normally the benefit is a lump sum amount in case of Accident or C.I. and a limited time income replacement in case of a disability. It means that you planned for the unexpected and you can provide your family, while you recover.
Critical illness benefits can help you with costs of private treatement, household help, mortgage payments, cover business expenses.
Health & Dental
Some medical expenses are partially covered or not covered by the Government Health System, so having an additional health and dental coverage will help in additional expenses, drugs prescription, paramedical services (ex. physioterapy, chiropratic and massage therapy), dental and vision care, eye glasses and Hospital rooms (private and semi-private).
This is important for:
1. those who are starting their carreers and don’t belong to a group health plan
2. self-emplyed individuals
3. those who work in companies that don’t offer a group health plan
Student Insurance
International Students who arrive to Canada do not have access to national healthcare system and are obliged to have a health insurance.
When you understand international students challenges well, you can offer them the best advise.
I am offering best rates in the market for students. Many alternatives available (Allianz, Manulife and others) according to your budget and coverage needs.
Visitors & Foreign Workers
Protect against the unforseen accidents and events, while you are in Canada, because hospitalization in North America is expensive.
For Permanent Residents, certain provinces require around 3 months of private health insurance, after this period you can apply for national health card.
Quotations for: Tourist Visa (short term), Super Visa (long stay) and Foreign workers.
Are you going abroad? Also available several Travel insurance options for Canadians.