Term Insurance (and Mortgage Protection)
Protect your mortgage and cover financial obligations in the event of death, critical illness, or disability with term insurance. Unlike many mortgage insurance policies term benefits aren't married to the value of your mortgage, but are guaranteed for the life of the policy. Should you pass away during the term of the policy, your beneficiaries will receive tax-free payments that they can use as they see fit, such as pay off the mortgage, loans, or funeral expenses. Furthermore, unlike traditional mortgage insurance, term insurance is underwritten before it is issued and guaranteed to pay out the death benefit. Typical mortgage insurance often does not pay out in full, and sometimes not at all.
(*)Insurance provided through Carte Risk Management Inc.
Annuity Insurance
Enjoy permanent protection with tax-advantaged investment growth within the policy that will pay you a guaranteed regular income, typically during your retirement years. Flexible payment options give you the freedom to choose income payments monthly, every three months, every six months, or once per year. You can even choose to receive payments now, or defer them to a later date.
(*)Insurance provided through Carte Risk Management Inc.
Accidental Death
Accidental death insurance provides benefits in the event the insured is involved in an unforeseen, unexpected, and undesirable incident that results in their loss of life. Benefits are tax-free and paid in a lump sum to the beneficiaries.
We can’t predict when an accident will occur, but can be prepared with financial compensation that helps loved ones cope when tragedy strikes.
(*)Insurance provided through Carte Risk Management Inc.
Funeral Insurance
Funeral insurance, also known as burial or final expense insurance, can help your family through a difficult time by covering the costs of your funeral, cremation, burial, and other related expenses.
Saying goodbye to a loved one is never easy, and funeral insurance can help ease the worry of financial burdens during the grieving process.
(*)Insurance provided through Carte Risk Management Inc.
Guaranteed Life Insurance
Regardless of your current health condition or medical history, if you’re between the ages of 50 and 75 you’ll be approved for Guaranteed Life Insurance with no questions asked or medical examination required. Your premiums will never increase and the benefits will stay the same throughout the life of the policy.
(*)Insurance provided through Carte Risk Management Inc.
Health Insurance
Health insurance allows you to save on healthcare costs not covered by provincial healthcare plans or your employer. Eligible services covered under health insurance include dental, hearing aids, prescription drugs, nursing, home care, physiotherapy, massage therapy, and much more. Also, if you’re self-employed and without health benefits, this product has you covered!
(*)Insurance provided through Carte Risk Management Inc.
