The two main types of life insurance are term life insurance and Permanent life insurance. Term life insurance provides coverage for a specified period, while Permanent life insurance offers lifetime coverage and in certain products have a investment component as well which that can accumulate cash value which can be used for loans etc.

Examples of Health insurance are Critical Illness, Disability & Personal Health Insurance. These products are primarily meant to be for income replacement for certain conditions so that people do not get burdened under financial constrains if any uncertainty happens in injury or illness situation. Certain products offer refundable options as well if there’s no claims.

There are certain types of Investments available in Canada such as RRSP, TFSA, FHSA, RESP, Non-Reg etc. All these investments plans are designed according to the different types of clients needs and situation. They have their own way for tax rules and regulations. There’s lot more to this and can be better understood by meeting us. Consulting with us can be helpful. Call Us, we are ready to advise you with our knowledge & experience.

Employee Benefits are perks beyond what employees earn in terms of wages. Some organizations view them as intangible business assets that can define an entire corporate culture and indirectly drive overall business success. In Canada, many employers offer a variety of benefits packages, which can include everything from health and dental insurance to registered retirement savings plan (RRSP) contributions. Employees who feel like they’re being well-taken care of by their employer are more likely to stay with the company for the long haul. Once benefits are implemented, majority things are expense for the business which leads to higher retention of employees.

We deal with lot of corporate clients, as we do have certain designations for being called as a financial planner, there are tons of strategies for corporations which can help them for tax planning and certain times liquidity issues arising on death for estate planning purposes and we deal with lot more complex cases. This topics can go long way.Consulting with us can be helpful. Call Us, we are ready to advise you with our knowledge & experience.

It’s an eligibility criteria for super visa, to have Canadian insurance when any visitor landing on super visa. it must be valid for at least one year from the date of entry into Canada. It should provide continuous coverage during the visitor's entire stay in Canada. You can pay for the full year premium in lump sum upfront or certain companies offer monthly options as well. Certain times most insurance providers offer a full/partial refund if there changes in Super Visa application or visitors go back early, provided there’s submit proof for it and no claims in certain cases. Check the refund policy of your insurance provider for specific details.

Yes, you can make changes to your insurance policy after purchasing it. These changes can include increasing or decreasing the coverage amount, date of effective, changing beneficiaries, or converting/changing policies. However, certain changes may require underwriting and could affect your premiums. Talk to us before doing any changes.