Purchasing life insurance could be the most important step you take to protect your family’s future. Having the right amount of life insurance protection will provide your family with a financially secure future.
Mortgage Protection Insurance
Many people start with protecting their mortgage. As your family grows, it becomes increasingly important to consider their needs should something happen to you. The cost of child-care, education, a funeral, and the loss of your income from the total family income are other important factors to consider when deciding how much life insurance you need.
Critical Illness Insurance
It’s important to consider how you would pay your regular bills if you were diagnosed with a serious illness. A critical illness insurance policy can provide a tax-free lump sum payment. This lump sum payment can provide the income needed to pay for treatment not covered by OHIP, travel, lifestyle changes, mortgage payments etc. so that you can focus on recovery and spending time with your loved ones.
Disability insurance will provide you with a tax-free monthly income should you need to stop working due to injury or illness. It can help you meet your financial obligations so you can focus on getting well.
3-in–1 solution: a life insurance policy, a disability insurance policy, and a critical illness insurance policy – all rolled into one package. Don’t take a chance being covered for only one or two of these risks. Be covered for all three – be prepared for the unexpected.
Health and Dental
Health insurance is important because it helps protect you and your family from health-related expenses not covered by your provincial health plan. Essentially, it picks up where your provincial plan stops.
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Whether you’re travelling outside your province or out of the country for a few days or for a few months. It is extremely important to have travel insurance to be financially protected against the cost of unexpected emergencies that may arise during your trip.
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Vitality is a program that rewards you for making healthy lifestyle decisions and can potentially reduce your life insurance premiums.