(587) 969-7213 Monday - Sunday, 9am - 7pm
info@ramandeepsahota.com Drop us a line anytime!
5700 Falsbridge Dr NE, Calgary, AB T3J 4X5
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(587) 969-7213 Monday - Sunday, 9am - 7pm
info@ramandeepsahota.com Drop us a line anytime!
5700 Falsbridge Dr NE, Calgary, AB T3J 4X5
Get Quote
toggle menu

What can I do for you?


Your needs: Right Policy.

Choosing the right Life Insurance and Living Benefits coverage can be complicated. Life insurance proceeds are paid out tax-free and can be used by your loved ones to pay estate taxes, buy out partners of a business, or just to pay off debt such as a mortgage. I work with my clients to choose the best coverage plan for their age, stage of life, and financial obligations they want to cover both now and in the future. Let me help and I will put together a comprehensive financial plan that makes sense.


My Commitment

I invite you to explore the depth of that commitment: Talk to your friends and neighbors — many of them may be my customers. Talk to anyone who has dealt with me. Join the conversation on our Facebook page. Tour our website. I am honored by the trust that thousands have in my company, and by the fact that I have earned the steady, ongoing loyalty of families from province to province. So whether you’re on your own, have a family, or run a company, let’s talk about your future. I look forward to showing you all the reasons why.

Non Medical Insurance

A contract of life insurance underwritten on the basis of an insured's statement of his health with no medical examination required.

When you apply for a life insurance policy it is important from the insurance companies point of view that you are in good health, or in fairly good health. They don't want applicants with terminal diseases and/or people who are going to die in near future. They also don't want applicants who are going to have major surgery in near future.

Mortgage Insurance

This insurance policy protects a mortgage lender or title holder in the event that the borrower defaults on payments, dies, or otherwise unable to meet the contractual obligations of the mortgage.

In short, this is to compensate lenders or investors for losses due to the default of a mortgage loan. This could be either public or private depending upon the insurer.

Life Insurance

Protection against financial loss that would result from the premature death of an insured. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.

A sum is been paid on the death of the insured person and/or after a set period by the insurance company.

Income Protection Insurance

Income Protection Insurance gives you an easy, economical way to protect your income should a serious accident or illness keep you away from your job. While you are unable to work, the money can be used towards maintaining your family's lifestyle, covering everyday expenses, paying medical bills and more, so you can focus on your recovery without financial worries.

It protects the income of the person, if the insured person is unable to work. The income replaced is typically limited to a maximum percentage of your earnings.


Tax-Free Savings Account provides tax benefits for savings.

No tax is been charged on any contributions on this account, the money can be withdrawn tax free. These type of accounts were introduced in Canada in 2009 with a limit of $5000/year. In 2013 the contribution limit was increased to $5500/year. These contributions are not tax deductible and any unused room can be carried forward. This type of account is available to individuals aged older than 17 years. They can be used for any purpose.


Registered Retirement Savings Plan (RRSP) is an account to hold savings and investment assets. It also provide tax advantages.

This helps save for retirement. The tax is been deferred until the money is withdrawn. RRSP contributors defer the tax payment on the amount until they withdraw it in their retirement, when their marginal tax would be lower than the tax they will be paying in their working years.

An RRSP can contain Mutual Funds, stocks, bonds, etc.


Registered Education Savings Plan a savings plan that helps you save for your child's post-secondary education. Federal government can add to your savings and tax deferred until savings withdrawn.

The Canada Education Savings Grant (CESG) is provided to complement RESP contributions, wherein the government contributes 20% of the first $2500 in annual contributions made to an RESP.

Super Visa Insurance

It is a temporary resident permit that allows parents and grandparents to stay for up to 2 years in Canada per visit. Validity is 10 years for this visa.

Parents and Grandparents who have Permanent Residents/ Canadian Citizen children or grandchildren in Canada are eligible for this Visa.

Canadian Super Visa applicants must submit proof that they have purchased medical insurance to cover their expenses during their stay in Canada. This insurance should be covering at least one year and should have a coverage of $100,000 for health care related mishaps.

Travel Insurance

An insurance which is intended to cover flight accident, lost luggage, medical expenses, trip cancellation and/or any other losses occurred during international or domestic traveling.

Usually, this insurance can be arranged at the time of booking of the trip to cover exactly the duration of the trip. Multi-trip policy can also be bought to cover multiple trips within a set time-frame.

Drug and Dental Insurance

It gives you a simple, affordable way to fill the growing gaps in your government health insurance plan, and to protect your family from the rising cost of both unexpected and routine health-related services.

It allows you to save money on health care costs not covered by your provincial health care.

Disability Insurance

Disability insurance offers income protection to individuals who become disabled for a long period of time, and as a result can no longer work during that time period.

This helps you replace a portion of your income if you become disabled and are unable to earn an income. The duration could either be short-term or long-term.

Critical Illness Insurance

Critical illness insurance is a form of health insurance that provides a lump-sum payment should you become seriously ill. Usually the following illnesses are covered:

- Heart Attack
- Cancer
- Stroke
- Blindness
- Kidney Failure
- Paralysis
- Alzheimer's
- Organ Transplants

Contact Us

Feel free to call us on
(587) 969-7213
Monday - Sunday, 9am - 7pm

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and we’ll get back soon.

Our Address

Come visit us at 5700 Falsbridge Dr NE,
AB T3J 4X5

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