Insurance Services

Life Insurance

​Often there is much uncertainty for individuals about what would happen to their house if they were to suddenly pass away. Mortgage life insurance helps to protect your family against mortgage debt and ensure that they can continue living a normal life while grieving a devastating loss. What is Mortgage Insurance? Mortgage life insurance (or mortgage protection insurance) is a policy that is used to pay off your mortgage in the event that you die if your family cannot continue your mortgage payments. When purchasing a first home or a new home, most banks will offer mortgage insurance before they will approve the mortgage loan from the financial institution. Many people are therefore unaware that you can purchase mortgage insurance from a bank or from a private insurance company. You are allowed to refuse mortgage insurance provided by the bank when offered and will therefore fill out several waivers and forms to verify your decision to decline said insurance.

Mortgage Insurance

​​Often there is much uncertainty for individuals about what would happen to their house if they were to suddenly pass away. Mortgage life insurance helps to protect your family against mortgage debt and ensure that they can continue living a normal life while grieving a devastating loss. What is Mortgage Insurance? Mortgage life insurance (or mortgage protection insurance) is a policy that is used to pay off your mortgage in the event that you die if your family cannot continue your mortgage payments. When purchasing a first home or a new home, most banks will offer mortgage insurance before they will approve the mortgage loan from the financial institution. Many people are therefore unaware that you can purchase mortgage insurance from a bank or from a private insurance company. You are allowed to refuse mortgage insurance provided by the bank when offered and will therefore fill out several waivers and forms to verify your decision to decline said insurance.

Medical Insurance

Life is only predictable in that it is always unpredictable. We are blessed to live in a country that values and ensures basic health coverage for all Canadians, yet there are many medical procedures that are not covered by our provincial plans. Most plans do not cover prescriptions, or elective procedures, dental or alternative health. We offer a variety of health insurance packages that give you the coverage you need. And don’t forget to get extra insurance for when you leave the country for your dream vacation. Consider for a moment what would happen to your families lifestyle if your were insured in an accident and unable to ever return to work. Or if some disability limited your working capabilities. Not only would your existing bills, (ie mortgage) still need to be paid plus a multitude of new bills that arise from you and your family trying to adapt to the new situation. There is insurance available to help make the burden lighter. Depending on your age, you might want to also consider your lifestyle for your senior days. Nursing homes are expensive and most seniors cannot afford good quality care if they are only dependent on their pension. Talk to us so we can show you the options available. Not sure what kind of coverage you need in your situation – just give us a call. We’ll be glad to help.