Bay Financial
5050 Dufferin Street M3H 5T5 Toronto, ON, Canada

How life insurance can assist ? -outstanding payment debts -mortgage or rent payments -expenses of childens education -for ongoing living expenses providing lump sum of ... This is why clients buy life insurance: to provide for their family in case of death -75% to protect loved ones from paying off debts -40% to cover funeral expenses-38% to pass wealth to heirs-35% to provide for a loved ones education expenses-25% CONTACT US TODAY and YOU will too PROTECT your FAMILY!

On behalf of Bay Financial team we would like to wish you a Happy Holiday season! And a prosperous New Year ahead! We look forward to doing business with you!

Planning on traveling this holiday season? Don’t forget about your travel insurance! Most travelers spend a lot of time and effort planning a perfect vacation,but they often overlook the importance of getting a good medical travel insurance. Travelers are more vulnerable to illnesses and accidents when they are traveling in a strange land, and there is no sure way to prevent unfortunate incidents from taking place. Although travel insurance cannot help people avoi...d misfortunes during their travels, it offers consolation in the form of monetary compensation, which can be very useful in certain situations. Travel insurance provides a wide range of benefits for travelers. One of it is to offer financial recovery for medical expenses that are incurred because of accidents and illnesses. Medical treatment can be costly in some countries, and travelers may have to pay medical bills that amount to tens of thousands of dollars. With travel medical insurance travelers can get reimbursement for the total amount of money that they spend on medical treatment. Travel insurance also covers medical evacuation, which means that travelers do not have to pay medical emergency transportation expenses with their own money. CONTACT US TODAY to have a peace of mind while you are enjoying your vacation! See more

10 life insurance mistakes to avoid! When it come to life insurance it’s easy to make mistakes. Lots of questions create a certain level of confusion and when there is a confusion, mistakes tend to happen. But when it comes to protecting yourself, your family and future income, mistakes should be avoided at all cost. 1Having no life insurance at all: Many people simply overlook the importance of life insurance. But remember that life insurance protects your loved ones,... provides financial protection and tax benefits. 2Getting the wrong type of insurance: There is a variety of different insurance policies and with the help of our knowledgeable financial advisor you can be assured that you will the policy that meets your needs! 3Underinsuring yourself: Be sure that you are realistic about the amount of coverage you need. Tools exist to help you determine your life insurance needs and can help to ensure you are purchasing the right amount of life insurance. 4Relying solely on employer-provided workplace benefit: Employer group benefit is surely a good start point but most employer plans only offer a basic amount and type of life insurance. This plan may not offer you and your family enough life insurance protection to meet the needs of your specific family situation. Moreover, most group life insurance policies terminate when you stop working for the company. 5Underestimating and guessing the amount of coverage: There are many factors to take into account to figure out how much life insurance is right for you. And this is where our financial professional plays a drastic role and can really help with the process. We can help quantify how much and what type of insurance makes the most sense for you and then help get that coverage in place. 6Not reviewing coverage regularly: There’s more to life insurance than paying premiums. Your situation changes continually.Reviewing your life insurance lets you see if adjustments are needed. 7Thinking that you can’t afford life insurance: There are different types of coverages and individuals with differing financial circumstances and income levels can also obtain affordable life insurance coverage when they need it most. 8Cancelling coverage: Cancelling insurance is easy. Getting it back isn’t. You could make a decision you’ll wish you had not at a later time. Explore your options before you decide. 9Procrastinating and waiting too long to purchase: You can only buy life insurance before you need it.The younger you are when you purchase life insurance, the lower the cost for insurance. Delaying buying insurance brings risks. Letting your policy lapse: you fail to pay your premiums, your policy will lapse. If it is not in force, there is no financial security available for your family. CONTACT US TODAY AND WE WILL HELP YOU AVOID THESE MISTAKES See more

Disability Insurance-to protect your income, which supports you and your family! Quick facts about disability insurance : Disability income protection will provide a monthly cash flow if you can not perform your duties of your current occupation If you don't make a disability insurance claim , you can have a portion of the premiums paid returned to you... Monthly cash flow can be provided for 2 years, 5 year, or up to age of 65 Your own disability insurance is portable, unlike disability insurance coverage benefit with your employer that's only available to you while you work with that employer. Your disability insurance coverage stays with you regardless of where you work Your disability insurance monthly payments are flexible, you can adjust your coverage to meet your budget See more