Your Trusted Insurance Partner

Most of us live in a belief of immortality; to us early deaths, families going through bad times are only stories that we hear from a friend or about our friends or distant relative or a neighbour. We sympathize with them but ignore the odds that something similar can happen to us which will leave one’s family in despair and financial difficulties.

The decision to over-scrutinize or ignore the decision to purchase a Life Insurance puts the family in a great risk of financial hardship in absence of breadwinner.

Life insurance plans offer financial protection and peace of mind. We guide you in choosing the right coverage tailored to your needs.

Purchasing your dream home is often the single largest purchase a person makes in their lifetime. But in times of unpredictable circumstances if you were to become critically ill, suffer an accident or die, the financial burden of paying for the mortgage falls on the family members. Would your family be able to keep making the mortgage payments? Would they have to sell your home?

You can protect your family home with Mortgage Life Insurance, a flexible, low-cost way to protect one of your largest outstanding financial obligations.

Critical Illness Insurance is designed to provide assistance to an insured who has been diagnosed with one of a predetermined number of critical illnesses and in some cases survived 30 days.

Consider the following:

• One in three Canadians will develop a life-threatening cancer.

• One in two heart attack victims are under 65 years old.

• Each year, 50,000 Canadians suffer a stroke. Of all stroke victims, 75% will be left with a disability.

• Critical illness insurance provides a lump-sum benefit to help support you financially, if you are diagnosed with and survive a covered critical illness. You can use this benefit payment to supplement your health insurance plan and any group disability coverage you may have.

• What’s more, with Critical Illness Insurance, you may not have to go into debt or withdraw money from your retirement savings to remain financially stable and independent during your recovery.

Your entire lifestyle is protected by your income. The chance of becoming disabled due to injury or illness during your working years is very high.

Have you considered how you would maintain your lifestyle if this were to happen to you?

While no one likes to think about becoming ill or being injured you can’t afford to ignore the possibility.

Life is unpredictable and is full of shocks and surprises. Nobody knows what will happen the very next moment. But we can be prepared for all the coming situations. Income Replacement Insurance will finish all the worries about generating income when you are incapable of earning. If you are the sole earner in your family, it will create uneasiness amongst you and your family. This will make your life much easier and will allow you to recover soon without any anxiety.

A group health insurance plan is a type of health insurance that provides coverage to a group of individuals, typically employees of a company or members of an organization. A group insurance plan can be set up with even a small business with as little as 3 employees.

Employers can enjoy favourable tax benefits and better retention of good employees for offering group health insurance to their employees.

Super Visa which came into effect in December 2011 and is becoming super popular among landed immigrants and Canadian citizens is a golden opportunity for family reunion. This Super Visa as we are aware is a multiple entry visa which is valid for 10 year allowing parents and grandparents to visit and stay in Canada.

The process for getting a Parents and Grandparents Super Visa is simple and straightforward. Applicants for the Super Visa must provide proof that the host child or grandchild meets a minimum income level, demonstrate that they have purchased comprehensive Canadian medical insurance and undergo the immigration medical examination.

We are committed to provide you lowest possible Super Visa Insurance quotes with best protection to your parents and grandparents. We strive hard to provide you the best suited plan.

Are you planning on visiting Canada, or do you have any friends or family members visiting from another country? Enjoy the visit without disruptions or worries if health emergencies come up, you can relax by covering the expenses with travel medical insurance coverage that’s simple, affordable and easy to use so you don’t end up paying out of your pocket. Get emergency medical care and more with travel insurance for visitors to Canada to cover:

• Physician services

• Ambulance services

• Hospitalization

Emergency medical care up to $150,000 if you’re under 70, and up to $100,000 if you’re age 70 or over.

Covers side trips from Canada. Your side trip must start and end in Canada and be less than 30 days or 49% of the total number of coverage days (whichever is less).

Travelling abroad entails lot of planning to make it a perfect vacation. However, to make sure that your vacation is a complete success, travel insurance is an absolute necessity. Your trip abroad should be without hassles and worries, and comprehensive travel insurance provides you with the same. Whether you lose your baggage or passport, or even need some medical support on your trip, overseas travel insurance will make sure you get what you need. Go on your vacation without any worries in the back of your mind; buy your travel insurance policy.

we always have a plan that will always best suit your travelling purpose and that too at a cost that is soft on your budget. So, be rest assured and enjoy your travelling without worries.

The Registered Education Savings Plan (RESP) is a government-registered savings plan that allows parents to save for their child’s college education in Canada.

Government grants are an integral part of any RESP. Returns and growth of contributions and grants together on RESP savings are sheltered from taxes until withdrawal.

Tuition fees for higher education continue to rise every year, the RESP provides an opportunity for parents to save up for the future educational pursuits of their kids.

When you consider the ‘free’ government grants plus the power of compounding over time, the RESP can grow into a sizable pot, helping your kids complete their university education and graduate with little or no debt to worry about.

A registered disability savings plan (RDSP) is a savings plan intended to help an individual who is approved to receive the disability tax credit (DTC) to save for their long-term financial security.

We will help you with setting up your RDSP account and work with you to make sure you get all the grants offered by the government.

A registered retirement savings plan, or RRSP, is a savings plan for individuals which allows them to defer tax on money to be used for retirement. Contribution limits for registered retirement savings plans are based on income and are tax deductible at the time of deposit.

Any income you earn in the RRSP is usually exempt from tax for the time the funds remain in the plan. However, you generally have to pay tax when you cash in, make withdrawals, or receive payments from the plan.

The TFSA program began in 2009. It is a way for individuals who are 18 and older and who have a valid social insurance number (SIN) to set money aside tax-free throughout their lifetime. Contributions to a TFSA are not deductible for income tax purposes. Any amount contributed as well as any income earned in the account (for example, investment income and capital gains) is generally tax-free, even when it is withdrawn.  

It’s a flexible, tax-free investment tool. You can use it to invest your money in stocks, bonds, GICs, and more, let it grow without paying taxes on the gains. Whether you’re saving for a big purchase or long-term retirement goals, a TFSA gives you total control over your money.

A first home savings account (FHSA) is a registered plan which allows you, if you are a first-time home buyer, to save to buy or build a qualifying first home tax-free (up to certain limits).

Your FHSA participation room in the first year you open your FHSA is $8,000. Contributions to an FHSA are generally deductible and can be used to reduce your tax. Transfers from your RRSPs to your FHSAs are not deductible.