Depinder Ahuja
7035 Maxwell Rd., Suite 202 L5S 1R5 Mississauga, ON, Canada

About Critical Illness Insurance: Critical illness insurance is a form of health insurance that provides a lump-sum payment should you become seriously ill. This benefit can replace your income while you recover, provide for travel or care expenses, and prevent financial hardship when dealing with a health crisis. Although the types of illnesses covered differ from company to company, typical covered conditions may include: cancer heart attack... stroke blindness Alzheimer’s multiple sclerosis organ transplants kidney failure paralysis We work with all major Canadian providers to offer you the best rates on Critical Illness Insurance. I work with the whole market to find you a plan that matches your budget and unique circumstances. no-obligation quote for Critical Illness Insurance. We search life insurance so you don't have to! Call me @ 416-670-7372 See more

WHY YOU MAY NEED LIFE INSURANCE The main reason many middle class families want life insurance is the need to provide a substantial lump sum to replace lost income if a parent or breadwinner dies. Young families are often carrying large mortgages and are meeting the expenses of growing children. This is why it's important for them to choose a life insurance product that provides the desired death benefits at a much lower current cost, which is term life. By the time many adul...ts reach their fifties, their children are usually grown, their mortgage will typically be substantially paid down so they now have a good deal of home equity, and they will have accumulated other retirement savings. As such, the need for a substantial death benefit from a life insurance policy is much less important in later life. So for many young couples, it makes sense to focus the bulk of their life insurance on term life which is more cost-effective at that time of their life when life insurance is the most important.Please call me & discuss your situation to customize your Insurance plan.@416-670-7372. See more

See Why Traditional Life Insurance is a Superior Choice Bank Mortgage Insurance Declining coverage amount based on mortgage balance No discounts on premiums for healthy people The older you are the higher the premiums... Pooled policy No control Policy is owned by bank Non transferable Premiums not guaranteed Void if mortgage in default Lapses if property is sold Not guaranteed at renewal Most bank plans expire at age 70 or earlier Traditional Life Insurance Coverage amount stays the same for the duration of the term Discounts on your premium if you are healthy Get the best rates based on your own health You are in complete control Policy is owned by you Fully transferable Premiums fully guaranteed Insured even if mortgage is in default Your insurance is portable Automatically renewable to age 75 Fully convertible to permanent coverage What You Need to Know About Bank Mortgage Insurance In Denial Bank Mortgage Insurance Exposed courtesy of CBC Marketplace Just say No to the bank offered insurance and call me at 416-670-7372 I have access to all types of life insurance products designed to protect your mortgage at the lowest rates. See more

Mortgage Insurance or Personal Life Insurance? Here's why Personal Life Insurance is the better option Your home is the largest and most important financial commitment you will make. Insuring your home in case of the loss of a primary earner may be your top priority. We can help ensure that your home is protected with the insurance that suits your needs. Below is a comparison chart outlining the differences between Mortgage Life Insurance, offered through your mortgage lende...r vs. Personal Life Insurance, offered through a Licensed Life Insurance The bank is the owner of the policy and you have no control over it Lender is the beneficiary The group policy can be terminated by the insurer at any time Your insurance ends with the mortgage Premiums can change if the group experiences change Insurance terminates if you change lenders, you must re-qualify all over again Cannot be more than the amount of the mortgage Coverage decreases with your mortgage UNDERWRITTEN AT TIME OF CLAIM YOUR Own POLICY Beneficiary of your choice which can be changed anytime Your coverage is guaranteed Your policy is guaranteed renewable and convertible Premiums are Guaranteed The insurance remains if you change lenders, change the mortgage, or buy another home Can also include other needs outside of the mortgage i.e., income replacement, kid’s education, final expenses etc. Coverage stays the same regardless of mortgage UNDERWRITTEN AT TIME OF APPLICATION Call me @416-670-7372 for more details.I can help See more