Protection & Security

Life Insurance:

One of the most essential ways to help protect your family

Life insurance is one of the most important ways you can protect your loved ones financial future.
Life insurance works by providing your beneficiaries with a tax-free benefit upon your passing.
This money can be used by your family to:

• • Pay off mortgage and debt
• • Maintain their lifestyle and pay day-to-day expenses
• • Cover your children's education

What about plans from employer?
Employer-provided plans can leave your family financially vulnerable because coverage amounts may be
inadequate and coverage may not continue if you leave your job. With your own policy, you're protected, regardless of what happens with your job.

What plan is right for you?
We work with all the major Canadian insurance providers and therefore, we are able to find a plan that is tailored to suit your budget, lifestyle and needs at every
stage of life. Explore our range of insurance options that can help give you the security and freedom you need to live the life you want.

Critical Illness:

Critical Illness Insurance is a form of health insurance that provides a lump-sum payment should you become seriously ill. Although the types of illnesses covered differ from company to company, typical illnesses may include:

• • Cancer
• • Heart Attack
• • Stroke
• • Blindness
• • Alzheimer's
• • Multiple Sclerosis
• • Organ Transplants
• • Kidney Failure
• • Paralysis

Coverage can also vary according to the degree of, severity of, or conditions associated with an illness or disease. For instance, if you are diagnosed with a type of cancer that is treatable and that results in minimal "down time", you may not be eligible to make a claim. Coverage cannot be purchased for a pre-existing condition or illness.

Disability Insurance:

Accidents and illnesses can happen at any time, in fact 1 in 3 people, on average, will be disabled for 90 days or longer at least once before age 65. In addition, the average length of a disability that lasts over 90 days is 2.9 years.¹ Protecting your earning potential is as important as insuring your car or home. Disability insurance is designed to provide a source of income if you are unable to work due to a disability and offers guaranteed coverage and guaranteed premiums.

Why do you need Disability Insurance:

• • Worker's Compensation only covers work related accidents
• • Unemployment insurance only covers 15 weeks
• • Prescription costs as well as extra medical and other care may take more money out of your pocket
• • As disabled, you are eligible to receive some government benefits, but they are very limited
• • Group plan coverage won't match your current income, as they mostly cover only 50% to 60% of
    your net income

Mortgage Insurance:

Our innovative solutions protect your family's future as well as your home. Our plans provide more protection, more flexibility and a better value than traditional mortgage insurance, and are often offered at a much more affordable price. Here is a comparison chart demonstrating key benefits of our insurance plans:

Lenders' Mortgage Insurance Plan
Our Insurance Plan

 Please CLICK HERE if you would like to receive a no obligation quote or further information about Mortgage

 Super Visa Insurance:

We offer Super Visa Insurance, otherwise known as Super Visa Medical Insurance, Super Visa Health Insurance, or Visitors to Canada Insurance (and/or regular Travel Insurance Products) from RSA Travel Insurance (formerly etfs), Group Medical Services (GMS), Manulife Financial, RBC Insurance, Travel Underwriters, TIC Insurance, and Travel Guard, among others. All carriers offer the ability to obtain quotes and obtain your Super Visa Insurance, immediately and affordably direct from our website. Our Comparison Calculator allows for easy comparisons of rates and coverages from each carrier, on a side by side basis.

Since December 1, 2011, Parents and grandparents of Canadian citizens and permanent residents have a new option for visiting Canada. They may be eligible to apply for the Parent and Grandparent Super Visa and enjoy visiting your family in Canada for up to two years per visit without the need to renew a visa.

Please do not hesitate to contact us directly if you need assistance comparing the various carriers and making recommendation specific to your needs. We offer Super Visa medical Insurance from all major Canadian Insurance Companies that conform to the CICs Super Visa for Parents and Grandparents Program.

No Medical Insurance: 

No Medical Life Insurance is a type of life insurance that doesn't require a doctor's visit, medical report or medical exam. If you are between the ages of 20 to 80 you can apply for coverage even if:

• • You are hard to insure
• • You have been turned down in the past
• • You are a smoker
• • You are overweight
• • You just don't want to go through a medical exam

There are two types of No Medical Life Insurance policies: Guaranteed Life - no health questions or medical exams and Simplified Issue - no medical exams and just a few health questions. Based on your particular needs and requirements our professional advisors will be able to determine which plan is right for you.

 Funeral Insurance:

Funeral expenses in Canada are costly and rising rapidly. It's our responsibility not to financially burden our loved ones with those expenses during the time of hardship. At Insurance Supermarket we have customized policies tailored to relief the financial burden from your loved ones. These are special policies designed to take care of:

• • Final Bills
• • Funeral Expenses
• • Outstanding debts and other expenses at the time of passing