Insurances
Life Insurance
Contract whereby an insurance company agrees to pay, upon the death of the insured, a capital to a beneficiary chosen by the subscriber in return for premiums paid. This amount resulting from an insurance policy, will be fully paid tax-free and can be used among other things, to create a legacy, funeral expenses, pay the taxes of an estate, pay tax on the taxable gain on income properties, to pay debts or loans or protect the assets of an estate.
Mortgage insurance with and without disability
Insurance contract in which protects the insured for the duration of the loan in case of death and / or the monthly payments on its loans in case of disability.
Salary Insurance
This insurance allows the insured to receive monthly benefits determined on the basis of his income, and in this case it can no longer perform his regular work as a result of an accident or illness. Disability insurance is very important and especially for the self-employed.
Critical Illness Insurance
This is insurance that protects you in case of serious illness and most insurance companies with whom we do business, covering 25 diseases with the option of premium refunds. It’s like a health savings account. In cases where serious illness is diagnosed, the amount covered is paid tax-free.
Health Insurance
This is insurance that is intended for customers who are not covered by the insurance plan and want to have private medical insurance.
Travel Insurance
I case of health care while abroad.
Health insurance for super visa : From 1 December 2011, Citizenship and Immigration Canada has introduced the super visa. Available to parents and grandparents of Canadian citizens and permanent residents, the super visa is valid for a maximum of 10 years and allows parents and grandparents to stay at home for a maximum of 24 months at a time without having to renew their status. One requirement for this super visa is buying a Canadian medical insurance for the duration of stay in Canada. To apply for a super visa, applicants must be able to provide proof of insurance. This insurance must:
- comes from a Canadian insurance company
- be valid for a minimum of one year
- to support medical care, hospitalization and repatriation
- coverage of 100 000 $ minimum
- be valid for each entry in Canada and can be examined by an officer at the port of entry
To qualify for health insurance for emergency medical care, most insurance policies for visitors to Canada do the trick. However, like other policies, the cost of such insurance may vary from company to company so it is important to shop comparing prices. We can offer you this service and you find the cheapest on the market with various insurance companies.
Car and Home Insurance
Insurance that allows you to protect your car and house and we can shop for you the best price.
Retirement Planning
A deep analysis of your objectives, income, and expenses can give you the confidence you need to live a future you want. Reach those goals financially during retirement is understanding what you have now, and how to use it in order to get the security you may need in your future.
RRSP, non-RRSP and TFSA Investments
A Registered Retirement Savings (RRSP) account permits an individual such as yourself, until the age of 71, to easily manage taxed income and allow deposits for retirement. RRSP loans are also offered to those wanting to pay less taxes or those wanting to use the amount in buying their first house.
A non-RRSP is a non-Registered Retirement Savings account that has the same purpose as a personnal savings account. You can save up for projects such as studies, trips, a house, or to increase your retirement funds. However, investment income is taxable.
A Tax-Free Savings Account (TFSA) was established on January 1st 2009, and it is a registered savings account offered to canadians. Its investment income is tax-free, just as the RRSP and RESP is. Its maximum investment per year is 5000 dollars for all individuals over 18 years of age. Contribution rights on previous years are used retroactively. A certain amount can be given to common law partners for TFSA investment and the amounts withdrawn are tax-free as well.
Mortgage Loans
Buying a house is a very important stage of our lives and try to find the best financial institution that offers the best rates is a difficult task for you. That is why, we will remake the best mortgage brokers who will find you the best rates on the market.