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Personal Child Health Insurance

As neighbours to the US, it can be pretty easy for Canadians to get a little smug about our universal health benefits. This is especially true this year; with Trump threatening to stop paying insurers in order to kill the Affordable Care Act, it’s easy to quietly snicker about Canada’s superior health outcomes and affordability.
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Travel

Travel Insurance What Is Travel Insurance? Travel Insurance is intended to cover sudden, unexpected and unforeseeable circumstances which create a need for emergency treatments such as hospitalization, emergency surgery or dental work, transportation, and recovery or return of personal possessions. Basically, Travel Insurance will provide coverage for health care services in another province or country
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Child/Dependant Insurance

Children/Dependent Insurance Available only to the spouse and dependent children of an employee or insurance policy holder, dependent life plans provide coverage in flat amounts only. Coverage for the spouse is generally higher than that available for children. Coverage for children generally becomes effective 14 days after birth and continues until the child is 21
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Loss of Independence

Loss of Independence Insurance According to Statistics Canada, life expectancy at birth is age 83 for women and 78 for men. Almost inevitably, age brings with it a higher risk of limitations than can hamper your ability to live independently. As we age, our ability to perform daily activities both physically and mentally may become
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Long Term Care

Long-Term Care Insurance Long-term care insurance (LTC or LTCI), helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by regular health insurance plans.  Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform basic daily
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Creditor Protection

Creditor Protection Insurance Creditor insurance is usually available as part of a group insurance policy, rather than an individual policy. Group polices are generally less expensive than the individual type. The lender is the owner and beneficiary of the group policy. The borrower is known as the insured. For example, a bank wants to insure
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Critical Illness

Critical Illness Insurance What Is Critical Illness Insurance? A critical illness is something that no one would choose or wish to experience, yet it affects many of us when we least expect it. If you have a mortgage, you work full time or you have dependents, choosing to purchase a Critical Illness Insurance Plan will protect
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Disability

Disability Insurance Disability insurance insures the beneficiary’s earned income against the risk that disability will make working (and therefore earning) impossible. It includes paid sick leave, short-term disability benefits, and long-term disability benefits. Disability insurance can provide you with financial security by replacing a portion of your earnings when an accident or illness causes you
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Mortgage

Mortgage Insurance Mortgage loan insurance is typically required by lenders when homebuyers make a down payment of less than 20% of the purchase price. Mortgage loan insurance helps protects lenders against mortgage default, and enables consumers to purchase homes with a minimum down payment of 5% — with interest rates comparable to those with a
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Life

Life Insurance Proper financial planning may include a solid Life Insurance policy that could protect your family and loved ones from the difficulties of maintaining a stable and secure lifestyle in the event of a premature or unexpected passing. Life insurance can help create financial security for you and your family as it can be
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