Insurance

INSURANCE PRODUCTS

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Click on a tab below to get information about the particular insurance product. 

MORTGAGE INSURANCE

For most homeowners, their mortgage is the single largest source of personal debt. Mortgage protection insurance is a life insurance policy designed to pay off that debt in the event of your death.

Through Desjardins Financial Security Independent Network, you can obtain flexible mortgage insurance options which meet your needs. This is a comparison between an individually owned life insurance policy and mortgage insurance through a financial lender:

Individual Policy

  • Overall health is also taken into account and non-smokers receive premium discounts.
  • You choose how much coverage you need and your coverage remains level through out the term of your policy.
  • The policy belongs to you and is fully portable. You have the choice to change your mortgage provider or renegotiate a better deal with your current lender as market conditions change.
  • You choose who you want to be your beneficiary and they decide how best to use the insurance proceeds.
  • The policy is comprehensively underwritten when you apply. You have full peace of mind that your policy will protect your loved ones.

Bank/Lending Institution

  • The cost depends on your age only.
  • You are covered for the exact amount of your mortgage balance and coverage reduces as your mortgage is paid down.
  • Coverage is not portable. You can’t take it with you if your mortgage provider changes. The cost of a new policy will depend on your age at the time you apply, and you may have to re-qualify medically.
  • If you die, your mortgage provider automatically uses your policy to pay off your outstanding mortgage. Your family has no choice.
  • Full underwriting is usually done after a claim to determine your insurability; a process called “post-claim underwriting” or “underwriting after claim”.

Here is the list of some main companies I am representing:

Desjardins Insurance (1), SunLife, ManuLife, Empire Life, Transamerica, Industrial Alliance, Foresters, RBC Insurance, BMO Insurance, Canada Life, SSQ, Equitable Life

(1) Desjardins Insurance refers to Desjardins Financial Security Life Insurance Company, a provider of life and health insurance and retirement savings products.

LIFE INSURANCE

Why should I get life insurance?

Financial experts everywhere agree that every adult should be covered by life insurance. Having life insurance ensures that your loved ones will have a way to cover funeral expenses and be cared for when you pass. There are several major life events that give valid reasons to speak with a life insurance agent today to get coverage including but not limited to:

  • New relationship/marital status
  • Your family grows
  • You wish to give to charity
  • Purchasing a home
  • Starting a business, or changing/losing a job
  • A spouse or child gets critically ill

Don’t Wait to Get Insured!

If you are not already covered by life insurance, or would like to review your coverage in order to be best prepared for your family’s financial future, allow me to be your financial advisor in the greater Toronto area. Call me today at (905) 276-9456 ext 4433. My professional expertise and personal attention will give you the answers and confidence you need to have all of your life insurance questions answered.

Here is the list of some main companies I am representing:

Desjardins Insurance (1), SunLife, ManuLife, Empire Life, Transamerica, Industrial Alliance, Foresters, RBC Insurance, BMO Insurance, Canada Life, SSQ, Equitable Life

(1) Desjardins Insurance refers to Desjardins Financial Security Life Insurance Company, a provider of life and health insurance and retirement savings products.

DISABILITY INSURANCE

Valuable Benefits for You

Disability insurance protects you from a loss of income in case of a personal accident. Why be covered by disability insurance? If you are a business owner, disability insurance is one of the most helpful and practical benefits that you can offer your employees.

Disability insurance secures your employee’s ability to earn, which is most likely vital to their livelihood. Additionally, here in Canada, worker’s compensation only covers work related accidents and unemployment insurance only covers you for up to 15 weeks. Lastly, Canada’s pension plan could change at any time and leave you behind.

Get Help from Your Financial Advisor in the Greater Toronto Area

As a professional financial advisor, I can help you determine which disability insurance policy is best for you. There are two main options to choose from: Short-term disability or Long-term disability. Either of these plans have services that can be customized to meet your individual needs, or your employees’ needs. Call me today at (905) 276-9456 ext 4433 to discuss your options. Together we will find the right disability insurance policy for you.

CRITICAL ILLNESS INSURANCE

Insurance Coverage When You Need it Most

No one plans to get sick, but when something unexpected happens, you can help yourself and your family by being financially prepared. Critical illness insurance provides for a lump-sum payment after a diagnosis of the critical illness listed in the contract such as: cancer, heart attack, stroke. Depending on the policy selected, up to two dozen other conditions may also be covered.

If you have not experienced anything like that yet, critical illness insurance is still beneficial to you. Why? The statistics don’t lie. A study published in 2010 by the American Association for Critical Illness Insurance estimates that a 25-year-old non-smoking man has over a 20 percent chance of enduring a critical illness before age 65 and that a woman in the same position faces over a 10 percent chance of the same occurrence. Critical illness insurance insures against:

  • Cancer
  • Heart attacks
  • Multiple Sclerosis
  • Alzheimer’s Disease
  • Stroke, and more

Contact Your Financial Advisor in the Greater Toronto Area

As an independent advisor in partnership with Desjardins Financial Security Independent Network, I will aggressively shop all of the insurance companies around to find you the most competitive rate for the best insurance plan available. Don’t hesitate to give call me today at (905) 276-9456 ext 4433.

PERSONAL MEDICAL BENEFITS

Supplement Your Health Plan

If you are worried about how you will pay for unexpected health or dental costs, I can help you find the best private medical insurance plan to transfer that risk from you to your insurance company.

As an experienced financial advisor in the greater Toronto area, I can help you find the right insurance that will:

  • Cover you and your family in case of emergency
  • Pay a claim for a covered medical need with only a small deductible

Take Action and Get the Right Medical Insurance Protection

Contact me today at (905) 276-9456 ext 4433. I will be happy to set up a meeting to discuss the options available to you and your family and will take the time necessary to learn exactly what your needs are, and what medical benefits insurance plan can fit best into your budget. Take the important first step to being insured. You won’t regret it!

Testimonials

I recently had the pleasure of meeting with Mat to get a better understanding of what offering his business provides.

Mat specializes in life, disability and medical insurance. Mat is extremely professional, but also cares about his clients. He insures that he knows their needs and then sets out to find the right insurance for them. He does not sell insurance like a cookie cutter – one package working for every client. I was also impressed with his ongoing client contact. That is so important. I found Mat to be passionate about his clients which is a wonderful trait to have.

I would highly recommend Mat to friends or clients of mine simply because he cares.

Norma Jean B Stage Worx Home Staging & Design
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