Life Insurance

Life insurance is an important pillar of your personal finance. It needs a deserving consideration by every household. It is vital component for most. Yet, despite its nearly universal applicability, there remains a great deal of confusion, and even skepticism, regarding life insurance.

Travel Insurance

Travel Insurance is insurance designed to cover the costs and losses and reduce the risk associated with unexpected events incurred while traveling. It is a useful protection for those traveling domestically or abroad

Group Insurance

Group life insurance is a type of life insurance in which a single contract covers an entire group of people. Typically, the policyowner is an employer or an entity such as a labor organization, and the policy covers the employees or members of the group.

Non-Medical Insurance

As the name suggests, non-medical life insurance assumes no medical test when issuing a policy as opposed to a traditional policy where medical tests are required (e.g. blood test, blood pressure, etc)

Disability Insurance

Disability insurance can help protect you and your family from an unexpected illness or accident that leaves you unable to work and earn an income. Generally, disability insurance replaces between 60% and 85% of your regular income, up to a maximum amount, for a specified time if you cannot go back to work temporarily or are permanently disabled due to an injury or illness

Critical Illness Insurance

Critical illness insurance is a form of health insurance that provides a lump-sum payment should you become seriously ill. Although they differ from company to company, typical illnesses and diseases covered by critical illness insurance may include:

Long Term Care

As time marches on, the onset of a chronic condition, degenerative illness or dementia could mean you or a member of your family will need constant care for an extended period, either at home or in a nursing home. And contrary to common belief, this care is not fully paid for by provincial governments.

Registered Education Plan

A Registered Education Savings Plan (RESP) is a dedicated savings plan to help you save for a child’s education after high school.
Most RESPs are opened for children, but you can open a RESP for yourself or another adult. The person who opens the plan is called the subscriber.

Segregated Funds

Segregated funds combine many of the features of a mutual fund, with elements of an insurance contract. They include guarantees and advantages that are not available with traditional mutual funds and are only available for purchase through an insurance company. One of the biggest advantages of a segregated fund is an easy estate transfer. In a segregated fund policy, you can name a beneficiary. Upon your death, if you have named a beneficiary other than your estate, the proceeds are paid directly to the beneficiary bypassing probate. Probate can be a time consuming and expensive legal process as most governments charge a costly probate fee. Having the proceeds of the policy paid directly to your beneficiary reduces the stress on your loved ones, making it a very effective estate planning solution.

Estate Planning

Estate planning is the act of preparing for the transfer of a person’s wealth and assets after his or her death. Assets, life insurance, pensions, real estate, cars, personal belongings, and debts are all part of one’s estate. Many Canadians haven’t taken the most basic estate planning step which is writing a will. They should. Without a will, your estate doesn’t automatically go to your spouse and children but ends up being distributed according to the rules of your province. In addition, without proper planning, almost half the value of your assets could disappear to cover capital gains taxes and probate fees.

Health and Dental Benefits

Having a good health care coverage enhances your ability to address medical conditions when they arise. However, it’s important to purchase health insurance before you’re affected by an unforeseen illness, accident or injury. Once you’re sick, you may not be able to qualify for health coverage.

Funeral Expense Insurance

Are you thinking about life insurance to cover your final expenses? As Licensed Insurance Advisor we can help you to figure out your final expense insurance needs.


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Iinsurance products and services are offered by Anita Shah.