COUNTRIES WE OFFER SUPPORT
Sponsoring and managing work visas parts now becoming results the experience
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countries we offer support
Choosing the right life insurance and living benefits coverage doesn’t have to be overwhelming. I help you navigate the options so you can feel confident about your future. Life insurance benefits are typically tax-free and can be used to cover estate costs, pay off a mortgage, settle debts, or support business succession.
Whether you’re planning for loved ones, protecting your business, or securing your legacy, I’ll work with you to select a policy that fits your age, life stage, and financial goals. Together, we’ll create a personalized financial plan that gives you peace of mind—today and tomorrow.
I’m proud of the trust I’ve earned from individuals, families, and businesses across the country—and I’m committed to continuing that tradition with you. Don’t just take my word for it—ask your friends and neighbors, explore our website, or join the conversation on Facebook to see what others are saying.
Whether you’re planning for yourself, your loved ones, or your business, I’m here to help you build a secure and confident future. Let’s start the conversation—I’d be honored to earn your trust too.
Non-medical life insurance is a type of life insurance policy that does not require a medical examination as part of the application process. Instead, coverage is granted based on the applicant’s responses to health-related questions.
Non-medical life insurance offers a quicker and simpler way to secure coverage, especially for those who prefer to avoid medical exams or who need life insurance in a short timeframe.
Mortgage insurance is a policy that protects lenders or title holders if a borrower is unable to meet their mortgage obligations due to default, death, or other circumstances. It helps cover potential losses and reduces the risk for lenders. This type of insurance can be provided by either public agencies or private insurers, depending on the terms and structure of the loan.
Life insurance provides financial protection by paying a sum of money to the named beneficiary in the event of the insured person’s premature death. This payout helps safeguard loved ones from financial hardship caused by the loss. Depending on the policy, benefits may be paid either upon the insured’s death or after a specified period, offering peace of mind and financial security for the future.
Income Protection Insurance offers a practical and affordable way to safeguard your income if illness or injury prevents you from working. It provides regular payments to help cover living expenses, medical costs, and other financial commitments, allowing you to focus on recovery without added stress. Typically, the policy replaces a portion of your earnings, ensuring you maintain financial stability during periods of incapacity.
A Tax-Free Savings Account (TFSA) is a Canadian savings vehicle that offers tax advantages by allowing your investments to grow tax-free. Contributions to a TFSA are not tax-deductible, but all withdrawals, including earnings and interest, are completely tax-free. Introduced in 2009 with an initial annual contribution limit of $5,000, this limit was increased to $5,500 in 2013. Unused contribution room can be carried forward indefinitely. Available to Canadians aged 18 and older, TFSAs provide flexible savings options for any financial goal.
A Registered Retirement Savings Plan (RRSP) is a government-approved account designed to help Canadians save for retirement while offering valuable tax advantages. Contributions are tax-deductible, and any investment growth within the account—whether from mutual funds, stocks, bonds, or other assets—is tax-deferred until withdrawal. Taxes are typically paid when funds are withdrawn during retirement, often at a lower tax rate than during working years, making RRSPs an effective long-term savings tool.
A Registered Education Savings Plan (RESP) is a special savings account designed to help you save for your child’s post-secondary education. Contributions grow tax-deferred, and the government supports your savings through programs like the Canada Education Savings Grant (CESG), which adds 20% on the first $2,500 contributed each year—up to $500 annually. When the funds are withdrawn for education, the student typically pays little to no tax, making RESP a smart, tax-efficient way to plan for future education costs.
Super Visa Insurance is a mandatory medical insurance policy required for parents and grandparents applying for Canada’s Super Visa. This visa allows eligible individuals to stay in Canada for up to 2 years per visit, with a validity of up to 10 years. To qualify, applicants must be parents or grandparents of Canadian citizens or permanent residents and must provide proof of private medical insurance purchased from a Canadian insurer. The insurance must offer a minimum coverage of $100,000 and be valid for at least one year, covering health care, hospitalization, and repatriation expenses during their stay in Canada.
Travel insurance provides financial protection against unexpected events while traveling, whether domestically or internationally. It typically covers trip cancellations, medical emergencies, lost or delayed luggage, flight accidents, and other travel-related disruptions. This coverage can be purchased at the time of booking to match the exact duration of your trip. For frequent travelers, multi-trip policies are also available, offering year-round protection for multiple journeys within a specified time period.
Drug and Dental Insurance offers an affordable way to supplement your provincial health care plan by covering routine and unexpected health care expenses not included in government coverage. It helps reduce out-of-pocket costs for prescription medications, dental visits, cleanings, treatments, and other essential health services—providing peace of mind and financial protection for you and your family.
Disability insurance provides financial support by replacing a portion of your income if you’re unable to work due to illness or injury. It ensures you can continue to meet your financial obligations during a period of disability. Coverage can be short-term or long-term, depending on the policy, offering vital income protection and peace of mind when you need it most.
Critical illness insurance provides a one-time lump-sum payment if you are diagnosed with a serious illness covered by the policy. Commonly covered conditions include heart attack, cancer, stroke, blindness, kidney failure, paralysis, Alzheimer’s disease, and organ transplants. This payment can help cover medical expenses, recovery costs, or other financial needs, giving you added security during challenging times.
