About Us

We presently serve all of Ontario, working closely with advisors from different areas to ensure that your needs are being met. Our main office is conveniently located in Toronto, in Scarborough at McCowan and 401 to be exact We are all mobile. You can come into our offices or we can meet you at your home or workplace if this is more convienient We help our clients find the insurance that they need at the best available price How do we do this? We are independent insurance brokers that deal with the leading insurance companies in Canada. One size does not fit all. We find what individually works best for you

Insurance Protection

You have the peace of mind in knowing that no matter how old you are you are still covered. And if you acquire your insurance at a young age, you can enjoy really low premiums even at old age. Since the premiums do not increase for most of the permanent life insurane policies it rewards the earlier appilcants. It also makes sure that you have insurance when you need it the most- during old age. Term insurance becomes more expensive as the insured ages. Level Premiums

Featured Articles

The Financial Planning Pyramid Where to start with your financial planning Importance of Insurance The importance of insurance in financial planning Tax Free Savings Account (TFSA) An introduction to tax free savings accounts. Registered Retirement Savings Plan Top 21 questions and answers concerning RRSP's

No Medical Insurance

If you have been denied insurance for health reasons or if you just dont want to do a medical, we have just the thing for you: Non Medical Insurance. Answer a few questions and get covered! Below are the three main types of no medical insurance:

Type 1
Answer no to a few simple health questions and purchase Deferred Term 10, 20 with coverage starting as low as $50,000 and going as high as $100,000 or Term 100 starting as low as $25,000 going up to $100,000. If the insured qualifies for this plan there is a 2 year waiting period before the plan comes into effect. The premiums for this plan are among the lowest in Canada and will not increase during the period of the term you choose. This plan is available from age 20-70.

Type 2
Answer no to a few health questions asked on or application and purchase Simplified Term 10, 20 that starts as low as $50,000 and going as high as $150,000 or Term 100 starting as low as $25,000 going to up to $150,000. This plan starts right away. Premiums for this plan are among the lowest in Canada and will not increase during the period of the term you choose. This product is renewable, not convertible. This plan is available from age 20-70.

Type 3
Answering no to all questions on the application will qualify for Simplified Term Plus 10, 20 that starts as low as $50,000 and going as high as $150,000 or Term 100 starting as low as $25,000 going to up to $150,000. This plan is suitable for individuals who have no or minimal health issues in the last 10 years. The plan starts right away. Premiums changed for Simplified Term Plus plans are guaranteed and lower compared to our other Term Plans. This product is renewable, not convertible. This plan is available from age 20-70.

No Nurse, No Syringe, No Blood
With all three types there are no nurses or syringes invovled! A licensed financial advisor will ask you a few very simple health questions and depending on your health situation you will qualify for one of the three coverages mentioned above. Its as easy as that! We are independent – We will find you the best coverage out there!

Why not find out how much it will cost you: