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

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Term Life insurance

Term life policies have many advantages and can be a very effective way to cover everything from short to mid-term life insurance needs, such as a mortgage or a line of credit.

Advantages:

Simplicity
Planning financial goals around a cash value insurance plan can get really complicated. There are non-trivial rules governing things like the size of your cash value savings versus the policy death benefit, and the repayment of policy loans. Term life, on the other hand, is the essence of simplicity — pay the premium, get covered for the term (normally 10,15 or 20 years).

Competitive pricing
Due to term insurance being simple it is very easy to compare the costs between different companies. A very competitive market has led to very affordable prices.

Flexibility
Our term policies are ‘renewable’ and ‘convertible’. The former insures that you can re-up for another term policy without a medical exam. The latter allows you to convert your term life policy into an equivalent cash value policy from the same carrier, should this make sense during the term of the policy.

 

Key Disadvantages:

The premiums will rise substantially when renewed
Most term policies expire at age 80 or 85 (Except Term to 100)
There are no cash values