| No matter whatever your insurance needs may be
– family protection, business continuity, estate preservation,
investment solutions, we offer the most comprehensive and innovative
range of products, supported by the most effective, value-added
services on the market today! |
| Life Insurance |
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| Article in Toronto Star ( PDF ) |
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| Further info: http://www.inalco.com/english/individual/life-insurance/life/life.jsp |
| Term Life: |
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| Term life insurance is designed to provide you
with insurance protection for a set period of time at an affordable
price.If you die within the time period, your beneficiaries
will receive the amount specified in your policy, tax-free. |
Who Should Consider Term
Life Insurance? |
- Persons seeking coverage for a limited period (young
adults, young couples or young families, for example).
- Persons wishing to meet their need for insurance
despite budget constraints.
- Owners of small and medium-sized businesses (to
obtain coverage in case of the loss of a key employee,
for example).
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| Depending on your age, health, the amount of insurance you
need and your lifestyle, you could qualify for even lower rates.
For instance, non-smokers pay less than smokers. |
| When choosing term insurance, it's important to select the
term that will cover you through important life events. You
can choose from a Term 10, Term 20 or Term 75 Plus insurance
policy. With term life insurance, you're able to choose a benefit
amount and a term that will best meet your needs. |
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| Universal |
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| Universal life insurance is the most flexible life insurance
available today. You can customize your plan when you buy it,
or easily make changes later on. And universal life offers you
the opportunity for tax-advantaged investing. This gives you
the chance to increase your wealth by investing money within
your policy. |
Who Should Consider Universal
Life Insurance? |
- Individuals or families seeking financial security
and wishing to accumulate additional funds (to carry
out retirement plans, for example).
- Young dual-income professional couples that can
pay the insurance premium more quickly.
- Persons with a higher-than-average income who are
looking for a tax-sheltered savings vehicle other
than a registered retirement savings plan (RRSP).
- Business people, to finance a shareholders' agreement
or insure a key employee.
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| You obtain affordable permanent life-insurance protection
combined with an attractive tax-sheltered savings account. You
have the opportunity to make partial withdrawals to carry out
your favourite projects. |
| When you choose a universal life insurance plan, we will help
you design an investment portfolio that suits your unique risk
tolerance. You can choose to invest in interest-bearing accounts,
which guarantee a fixed rate of return. Or you can choose accounts
that fluctuate with market performance. |
| Our customizable insurance protection evolves
with your family's changing lifestyle, from buying your first
home to planning your retirement. And, similar to an RRSP, you
can maximize your tax-sheltered savings because all interest
earned in your investment accounts is tax-sheltered. |
| Permanent Life Insurance |
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| Permanent life insurance is designed to provide insurance
protection for your entire lifetime. Many people appreciate
this kind of security, knowing that when they die, their beneficiaries
may receive the full amount of their insurance, tax-free. With
permanent life insurance, your premiums never change. |
Who Should Consider Permanent
Life Insurance? |
- Persons wishing to ensure the financial security
of their loved ones in the event of death.
- Persons seeking a simple, flexible and affordable
product.
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| This type of insurance is perfectly suited to the needs of
people who are seeking financial stability and security for
their loved ones in the event of a premature death. |
| Depending on the plan you buy, whole life insurance
spreads the cost of insurance either over the lifetime of the
policy or over a limited period of time. |
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| Critical Illness |
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| Further info:http://www.inalco.com/english/individual/life-insurance/illness/illness.jsp |
| Research conducted by Manulife Financial reveals
that many consumers remain unfamiliar with Critical Illness
Insurance. |
Some facts |
- 60% of Canadians have never heard of Critical Illness
Insurance
- 98% of Canadians don’t know that they can
get all their money back just for staying healthy
- Without even knowing it, Canadians now enjoy the
best Critical Illness protection in the world!
- Use the money as you wish: pay off debts, stop working,
take a long vacation, early retirement – it’s
up to you.
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| Critical Illness usually pays a one-time lump sum benefit
to an insured individual suffering from one of many critical
illnesses covered under the policy. These illnesses typically
include cancer, heart attack, stroke, Alzheimer's, Parkinson's,
multiple sclerosis. Before benefits will be paid, a doctor's
diagnosis must confirm the condition, and the insured individual
must complete the survival period, usually 30 days from the
incident diagnosis. No disability, permanent or otherwise, is
required to qualify for a Critical Illness benefit.
The advantage of a CI insurance policy is that it provides
cash up front, to be used for anything that the insured individual
chooses. These uses can range from paying for the many indirect
expenses of coping with the illness, to pursuing treatments
and therapies, beyond the scope of our over-burdened provincial
health care system. |
| Critical
Illness - Brochure + Applicaion |
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| Health & Dental |
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| Worried about losing your group health and dental
benefits? Concerned about the many medical expenses you’ll
have to start paying for out-of-pocket because of the increasing
gaps in your provincial health insurance coverage? |
Common reasons for not buying
health Plans |
- The government covers me
- I am healthy, I don't need
insurance
- I have other financial priorities
- I will only claim a few things
a year
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| These people have one thing in common.
They will pay our of their pockets increased medical expenses
every year and possibly put their famiies financial future
at risk. |
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| If you are not covered by a group health plan or not satisfied
with the health coverage you have today, a health and dental
plan may be the answer for you. |
| Whether your focus is prescription drugs, dental
care, or a combination of both, we offer a selection of health
plans and levels of coverage from which you can choose: |
| We will let you choose between dental coverage, drug coverage
or a combination of both. With each Core Plan you'll also receive
generous coverage for registered specialists, travel emergencies,
accidental death and dismemberment and more. Your provincial
plan doesn't cover all this! |
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| Buy
Health Insurance (Prescription drugs / Dental) |
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| You can choose from 3 available options. kindly review these at the links below and you can call us at 416-998-5656 for more information. |
| Health Option 1 |
| Health Option 2 |
| Health Option 3 |
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| Mortgage Insurance |
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| When we acquire an asset of great value, such as a home, it
is essential that we do everything in our power to preserve
it. For example if we were to fall seriously ill, the last thing
we would want is to sell it or to place our family in a precarious
financial situation. |
Features of Mortgage Insurance |
- You may choose individual or joint life insurance
coverage.
- You may opt for additional protection that covers
you in the event of a disability or a critical illness.
- Your premiums are guaranteed and remain fixed for
the term of your insurance.
- In the event of death, the money is paid to the
beneficiary of your choice, and this beneficiary need
not be your lending institution. The beneficiary may
dispose of the money as they wish.
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With mortgage insurance you obtain financial protection that
insures your mortgage payments in the event of disability or
fully pays off your mortgage balance in the case of a premature
death or critical illness.You or your spouse are therefore protected
in case of an unfortunate event.
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| Mortgage Insurance is a flexible alternative to the Mortgage
Insurance typically offered through the banks and other lenders. |
| Mortgage Insurance premiums are based on your age, sex and
smoking status. Flexible payment choices and other options help
to ensure that mortgage insurance will contunue to meet your
changing needs. |
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| Recent News & Articles |
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| Should I purchase my mortgage insurance coverage at the bank? |
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| Watch CBC Marketplace - "In Denial" - This segment from CBC Marketplace on
February 6, 2008 provides you with concise information about bank mortgage
insurance and the reasons for consumers to purchase their insurance through
a licensed broker. |
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| Click here for the video. |
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| Long Term Care |
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| Long-term care insurance provides benefits to
pay the cost of health and personal care services for someone
who becomes unable to care for him or herself. To ensure a comfortable
future, it makes sense to purchase long-term care insurance. |
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| The basic coverage provides benefits to pay for health and
personal care services for an insured person residing in a long-term
care facility. You can also purchase additional coverage that
would pay for home care provided in the comfort of the insured
person's own home. Home care also includes help with everyday
tasks such as cooking, cleaning and shopping. |
| Depending on the long-term care insurance plan selected, a
policy could specify that benefits be paid for one year, two
years, five years, or for the insured person's entire life. |
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| Disability Insurance |
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| Further info:http://www.inalco.com/english/individual/life-insurance/disability/disability.jsp |
| Disability income insurance provides you with
a source of income to replace your salary during a period of
disability resulting from an accident or illness.Disability
income protection insurance is designed to protect your employment
income, by providing a monthly benefit when disability restricts
your ability to work. |
Who Should Consider Disability
Income Insurance? |
- Persons who have jobs that do not provide a group
insurance plan:
- self-employed workers;
- small-business owners;
- employees, whether or not they are covered by
the Workers' Compensation Act.
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| Each income protection plan is different. You can choose an
accident-only plan or a plan that insures against a disability
caused by either an accident or a sickness. |
| It is generally accepted that the odds of becoming disabled
are much higher than the odds of dying, yet many people are
more likely to have life insurance than disability insurance.
The costs associated with becoming disabled are also very high:
not only will you have regular living costs, there also may
be the costs of ongoing attendant care, medicine and other charges.
If you can’t continue to earn income, you could be in
trouble. |
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| Visitors & Travellers Insurance |
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| www.health.gov.on.ca/english/public/pub/ohip/travel.html
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| Buy
visitors/travel insurance online |
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| Ingle Visitor Policy |
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| The last problem you need when travelling is the unexpected
cost of a medical emergency. Avoid the financial risk with comprehensive
travel coverage.
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| Visitors to Canada |
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For visitors to Canada, emergency medical expenses can be
overwhelming. Are you planning a trip to Canada? Maybe someone
special is coming to Canada to visit you. Either way, it should
be a safe and enjoyable visit. But since anything can happen,
such as an unexpected illness or injury, make sure you've got
the proper coverage. Talk to us today about travel insurance.
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| Click to Print Application
form |
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| Outbound Travel |
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Are you planning a family vacation or business trip? May be
you want to head south for a change of scenery. Travelling can
be an adventure. But to keep your trip from being too much of
an adventure, due to an unexpected illness or accident, make
sure you're protected. Talk to us today about travel insurance.
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| Click to Print Application
form |
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