Purchasing a life insurance policy may be beneficial if you have family members who depend on you financially. But the right time to buy a life insurance policy is different for everyone..

Life Insurance In Your 20s…

Whether you’re getting married, starting a family or working to pay off student loans, your 20s should be the time you start thinking about life insurance.

The main advantage of buying life insurance in your 20s is that you might be able to purchase a higher coverage term policy for a more affordable monthly premium.

In Your 30s…

If you have a family, life insurance is a purchase you can make to help the people you love have the financial support they may need, even if something were to happen to you. If you were to die, who would pay for your children’s college tuition? Your outstanding student debt? The mortgage on your house.

In Your 40s…

Your 40s can be a time of changing commitments and unexpected financial hurdles, making it an important time to keep life insurance on your radar, even if you already have a policy.

In Your 50s…

Finding an affordable life insurance policy in your 50s might take more time than if you were buying one in your 30s or 40s, but it’s still not too late to get the coverage you may need..

In Your 60s and Beyond…

Believe it or not, you can still get a life insurance policy in your 60s and 70s. Long-term policies (for 20 or 30 years) are likely out of the picture due to common age limits on policies, but you still may have options for coverage if you’re looking for a plan now.

A mortgage is a long-standing commitment, and it doesn’t die with you. If you pass on before it is paid off, someone has to take up the responsibility of paying up the loan or risk losing the house. And that is when life insurance policy to cover your mortgage comes into play.

Mortgage protection life insurance, also referred to as mortgage protection insurance refers to a type of policy which pays off your remaining mortgage in case of your demise.

A mortgage life policy relieves the surviving members of your family from losing the house to the lending institution or taking on the financial responsibility of paying the remainder of the mortgage.

This life insurance will always repay the loan only if a mortgage still exists at the time of passing, while life insurance pays up death benefits only when the insured person dies. This kind of insurance policy is worth considering, regardless of whether you have one home, a second residence, or multiple residential properties.

What is family protection?

Family protection is all about having a financial safety net in place so that the family can remain financially secure should the unthinkable happen. Family protection can cover life insurance, critical illness cover and income protection

I can help you to find the right insurance for you and your family to suit
your needs and budget. Whether you have questions about why I need insurance?
how much insurance amount I need? what type of insurance? any questions. I’m
more than happy to help you.

I help families to be protected, I not try to sell a policy, I want to help
you to understand and protect the loss income in the event of an accident, sickness,
or death. Can happened any time. I wan to be part of your life and be there for
you, your family, and your friends, I want to build a relationship and I want
you to feel safe.

Life insurance is viewed as a financial safety net and is essential for anyone who has people depending on them. These could be children who are going to school, sick parents, or a family that needs their day-to-day bills covered. In case of premature death, the resulting loss of income may have an adverse effect on the lives of the surviving family members. The goal of life insurance is often to supplement the missing income and allow your dependents to maintain their lifestyle.

If you have family property secured as collateral for a loan (a fancy way of saying mortgage 😉, it can be an excellent idea to have life insurance that can cover the entirety of this debt. If you pass away, the loan and required payments do not just magically disappear. If the surviving family members cannot make the payments, they may be evicted or forced to sell, leaving them homeless. The same principle applies if you co-signed your children’s student loan, they are left with the burden of paying the whole amount on their own in case you pass away

In most families, it is the breadwinner that sees the need to own life insurance. However, it is worth mentioning that even the spouse who stays at home should consider getting life insurance. While they may not bring in money to the household, they have roles and responsibilities that allow the family to save on expenses such as daycare. If they were to pass away, someone would have to assume the role. This would result in a lower income if the working spouse were forced to either stay at home or to pay for a caregiver. It is, therefore, a good idea to have life insurance for both spouses.

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Protect yourself against the emergency medical costs of unexpected accident or sickness while in Canada. One day in hospital can cost as much as $5,000!

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For visitors, landed immigrants, returning Canadians and work/student visas.

We specialize in parent, grandparent super visa insurance and were the first company in Canada to offer a convenient monthly payment option. A two year policy is also available.

Enhanced Plan

• Comprehensive emergency medical benefit plan.
• Includes coverage for stable pre-existing medical conditions*.
• Available up to age 85.
• Coverage limits from $15,000 to $200,000.
• Wide range of deductibles from $0 to $10,000.
• Deductibles apply per person per policy.
• Companion and family rates available.
• Monthly Payment Option and upgrade to 2-year term available.
• $25,000 Accidental Death and Dismemberment included.
• Dental Accident (up to $4,000) and Relief of Dental Pain (up to $300).
• $50,000 Extra Injury coverage included with the $100,000 option.
• Continuing Treatment Provision with no specific limit on the number of follow-up visits.
• Unique 90-Day Provision which reinstates benefits that might be cut off after an emergency ends.

Standard Plan

• Comprehensive emergency medical benefit plan.
• Excludes coverage for pre-existing medical conditions.
• Available for ages 55 to 85.
• Coverage limits from $15,000 to $200,000.
• Wide range of deductibles from $0 to $10,000.
• Deductibles apply per person per policy.
• Companion rates available.
• Monthly Payment Option and upgrade to 2-year term available.
• $25,000 Accidental Death and Dismemberment included.
• Dental Accident (up to $4,000) and Relief of Dental Pain (up to $300).
• $50,000 Extra Injury coverage included with the $100,000 option.
• Continuing Treatment Provision with no specific limit on the number of follow-up visits.
• Unique 90-Day Provision which reinstates benefits that might be cut off after an emergency ends.

Basic Plan

• Reduced benefit emergency medical plan.
• Excludes coverage for pre-existing medical conditions.
• Available for all ages.
• Coverage limits from $15,000 to $200,000.
• Wide range of deductibles from $0 to $10,000.
• Deductibles apply per person per claim.
• Companion and family rates available.
• Monthly Payment Option and upgrade to 2-year term available.

If you’re buying a home or renewing an existing mortgage, you may be offered group insurance by your lender or broker. You put a lot of money towards your home, so it’s worth taking steps now to protect your investment. Mortgage insurance is typically marketed towards new homeowners who may be concerned that an unexpected death or illness could leave their loved ones with a large mortgage. Personal life insurance like mortgage insurance can perform a similar function for you but isn’t tied to just covering your mortgage. It’s designed to provide your beneficiaries with money in the event of your death. Its flexibility allows your beneficiaries to use the money for whatever purpose they wish. It’s an individual insurance product. Main differences Mortgage insurance from the bank covers the balance of your mortgage, which decreases as the mortgage is paid down. Personal mortgage life insurance coverage, meanwhile, stays the same and isn’t linked to your mortgage. The insurance from the bank doesn’t protect you. Instead, it protects your lender Mortgage insurance from the bank ends when your home is paid off. A personal life insurance policy is unaffected by your mortgage ending and can keep providing you and your family with protection in the years that follow. Mortgage insurance from the bank provided through a financial institution is typically quick and easy to arrange, and usually only requires answering a few health-related questions. Buying personal life insurance, on the other hand, typically takes longer and involves delving into your medical history. The bank is considered your benefactor, not your family. While the mortgage will be paid off, your family won’t receive anything. Also, the amount of coverage declines as you pay down your mortgage. With regular life insurance, your coverage remains the same. And if you decide to change lenders, your insurance isn’t portable, so you’ll lose your coverage.

Protect yourself against the emergency medical costs of unexpected accident or sickness while in Canada. One day in hospital can cost as much as $5,000!
For visitors, landed immigrants, returning Canadians and work/student visas, super visa any status in Ontario can get protected with this medical plan.
Lineth Orea Aguirre
Life, Health and travel Insurance Advisor
647 823 1053

A vacation is really an investment in your happiness. And when that vacation starts off with a canceled flight, a missed connection, a missing bag or another travel hiccup, that happy travel feeling fades. Travel insurance can help make these situations better.
After saving for a while, you’ve just paid $3,000 for your long-awaited trip to Iceland. Whew! You know you should probably buy travel insurance, too, but your finger hesitates over the “buy now” button. “Is travel insurance really worth it?” you wonder. “I could spend that money on a nice dinner in Reykjavik instead… Why should I buy travel insurance? What does it even do for me?” We’re so glad you asked. 1. Because medical emergencies often happen while traveling. 2. Because it can be really expensive to get emergency medical care overseas. 3. Because you can’t risk losing money on an emergency trip cancellation. 4. Because cruise lines really hate giving refunds. 5.Because delayed and cancelled flights are common. 6.Because peace of mind is priceless.
Whether you’re planning a solo adventure or a grand, multi-generational getaway, the whole point is to relax and enjoy the journey. Travel insurance can ease your anxiety because you know you have protection in case of common travel mishaps. Not only that, but you know you’re never alone.
Remember You can buy travel insurance if you are going to travel between Canada and outside Canada.
Another important thing If you are going to received family, friends, parents you also can have an emergency medical plan.